Workers' compensation insurance
Regulations for workers’ compensation insurance vary by state. Learn more about workers’ compensation state laws and how they apply to your small business.
State laws usually require businesses to buy workers' compensation insurance when they have employees. But even if you work as a sole proprietor, you may still need this coverage.
A workers’ compensation ghost policy is an affordable way for small business owners to attain the proof of workers’ comp coverage they need to qualify for contracts, but it does not provide actual workers’ comp benefits.
Most states require businesses with employees to carry workers' compensation insurance. However, it's sometimes possible to get a waiver of your workers' comp requirements.
Employer’s liability insurance protects business owners from lawsuits filed over workplace injuries. Most workers' compensation policies include this coverage.
Your employees don’t have to do dangerous work to face workplace injuries like carpal tunnel syndrome. To protect yourself and your team, invest in a workers’ compensation policy that covers common office injuries.
A workers' compensation certificate of insurance proves that you carry this insurance coverage. Clients or regulators may ask to see your certificate, which you can access as soon as you buy a workers' comp policy.
The average premium for workers' compensation insurance is about $45 per month. Your exact cost will depend on several factors, including your policy limits, business location, and number of employees.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Washington, D.C. businesses that have employees.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Virginia businesses that have three or more employees.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Washington businesses that have employees, including part-time workers.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all West Virginia businesses that have employees, unless they are self-employed or qualify for an exemption.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Wisconsin businesses that have employees, unless they are self-employed or qualify for an exemption.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Utah businesses that have employees, unless they are self-employed or qualify for an exemption.
Workers' compensation insurance covers the cost of work-related injuries. It's required for all Vermont businesses that have employees, unless they are self-employed or qualify for an exemption.
