Construction Site Works. Caucasian Workers Cutting Concrete Elements.

What Is Worker's Compensation Insurance?

Workers’ Compensation Insurance can pay for three things when an employee is injured at work: medical bills, recovery costs, and partial missed wages. If an employee dies, Workers’ Comp can cover funeral costs and benefits to the worker’s family. Depending on state laws and contract requirements, you may need this policy to cover employees, contractors, freelancers, or even yourself.

What Does Worker's Compensation Insurance Cover?

  • Medical Bills
  • Ongoing care (including medication and rehabilitation)
  • Missed wages during recovery
  • Funeral expenses for fatal incidents
  • Death benefits to support the deceased’s family
  • Injuries caused by intoxication or drugs
  • Self-inflicted injuries
  • Injuries claimed after an employee is fired or laid off
  • Injuries caused by horseplay or company policy violations
  • OSHA fines