Workers' Compensation coverage protects you when one of your employees is hurt on the job, or becomes ill because of workplace conditions. Workers' Compensation is typically mandated by your state(s), based on the number of employees you have, which varies by state. If you're located in Texas, you may opt out of carrying Workers' Compensation however, you may still be sued if an employee is hurt.
Workers' Comp Insurance Overview
- Medical costs due to workplace injury or sickness
- Lost wages due to workplace injury or sickness
- Costs to retrain injured or sick employees returning to work
- Related legal fees
- Wages for a temporary worker
Employee benefit coverages and services include:
- Medical
- Dental
- Vision
- Life
- Short term and long term disability
- Critical illness and accident
- Employee assistance programs (EAP)
- FSA, HSA, HRA
- COBRA
- Benefits administration technology with online enrollment
- Benefit guides & annual employee notifications
- Executive benefits
- Key person life and disability
- 401(k) & 403 (b) retirement plans
- Wellbeing programs
Human Resources support:
- HR policy audits
- Employee handbook
- Compensation and incentive programs
- Leadership coaching
- Compliance resources
- Self-service tools
Comp market trends: what are our experts saying
Businesses with employees are legally required to have workers' compensation insurance. It is typically mandated by your state(s), based on the number of employees you have, which varies by state. You can find this information at www.dol.gov/agencies/owcp/wc. Our small business experts understand the market and can help you secure appropriate workers' compensation coverage.
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