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Workers’ compensation insurance covers employees who are injured at work and also illnesses caused by conditions at work. In addition to this, dependents of workers who are killed on the job are entitled to benefits in most cases. The majority of states require employers to have workers’ compensation insurance, but not all types of employees are covered by workmans comp insurance. In most states volunteers, independent contractors, domestic workers and agricultural workers are not covered. Businesses must make sure that employees have coverage for the state in which work was performed, rather than simply where the business is based. Many businesses operate across multiple states lines and therefore may need to modify their workers’ compensation to insurance they the business is covered in the event of a claim.
Information on this page is provided only as a reference. While we strive to maintain accurate information on our site please realize workers compensation laws and state rules are complicated and subject to change at any time.
Let us help you make an informed decision about your workers compensation insurance needs. Our licensed agents specialize in helping small businesses obtain the best coverage at the best price, give us a call today at 855-780-1783.