Workers Compensation Insurance

  • Pays for injured employees’ medical expense
  • Employers liability insurance to protect business owners
  • Get covered instantly with online confirmation

Get instant quotes

What is Workers Compensation insurance?

Commonly known as workmans comp or workers comp, Workers Compensation insurance provides protection for employees if an employee suffers a work-related illness or injury.

Workers Compensation insurance provides benefits to your employees when they make a claim against your workplace for injury or illness. Some of the examples of the benefits include:

  • Medical care
  • Replacement of lost wages when taking time off to recover
  • Funeral costs paid for if they were to pass away
  • Disability support costs

Workers Compensation insurance also provides financial protection for your business by covering legal costs if an employee or their family sues your business for damages.

Here are some situations when Workers Compensation insurance can protect your employees:

  • If they injure themselves by tripping on stairs at your business location
  • Suffer from carpal tunnel syndrome caused by unsafe typing habits
  • Get injured in a car accident while visiting a customer

Does my business need Workers Compensation insurance?

Depending on the location of your business, Workers Compensation is determined by state law if it is legally required. If legally required, your business will need to have a policy in place before hiring your first employee.

Your policy will pay for your employees’ medical expenses and partial lost wages, a cost your business is likely unable to afford without experiencing a significant financial impact.

Most Workers Compensation insurance policies will also include coverage for Employers’ Liability insurance, protecting you from lawsuits relating to workplace injuries.

How Much Is Workers Compensation insurance?

There are a few determining factors that insurance companies use when pricing Workers Compensation insurance. These include details of your business like:

  • Industry – the type of business, level of exposure to risk
  • Payroll – how much turnover does your business make
  • Claims history
  • Coverall limits
  • Location of your business

Every small business is different with its unique risk factors, so your policy is likely to differ from other companies.

BizInsure provides Workers Compensation insurance in all states except Alaska, Hawaii, Ohio, Wyoming, Washington and North Dakota.

By law, is Workers Compensation insurance required?

Legally, most states require businesses to have Workers Compensation insurance as soon as they hire their first employee. If you are unsure check with your state laws.

What is Employers’ Liability insurance?

This intention of this section of the Workers Compensation insurance policy is to protect you, the employer from lawsuits relating to a workplace injury and negligence.

Employers Liability insurance is typically included in a Workers Compensation insurance policy unless you purchased your policy from a monopolistic state fund. It can be added to your existing Workers Compensation policy as an endorsement through a private insurer.

Workers Compensation insurance for Self-Employed Workers

If you are self-employed with no employees, you will need to check your state laws, as business insurance requirements depend on your location. Not having Workers Compensation insurance when required, can result in financial penalties like fines.

Want to protect your business against potential lawsuits? How do you find an insurance company that really understands what it means to be a small business owner? BizInsure offers General Liability Insurance, Professional Liability Insurance, also known as Errors & Omissions insurance (E&O), Workers Compensation Insurance, and Business Owner’s Policy. Our coverage options are tailored specifically for smaller businesses just like yours!

Responsive and professionalCompetitive price. I highly recommend Bizlnsure as an insurance provider
Zynab B.
1710433556
Your service is easy to renew as needed and your company informs the client in advance for renewal.
Henry B.
1710352389
It has been a pleasure doing business with Biz Insure Llc.Their representatives are very courteous, helpful and customer service oriented.
Shonta I.
1710297732
Quick and easy....
Tammy K.
1710172643
I follow the instructions & would prefer to paid every month. I did not have the options to pay every month.
Alamo H.
1709935830
Thank you, Amy, for making my experience enjoyable and funny. Thank you so much for your kindness!!!
George J.
1709840615
I'm pleased with the business quote I received from Bizinsure LLC. Thank You!
Shanda J.
1709586997
Very satisfied with the online experience
Nicole h
1709238653
Been a happy customer for years! Easiest company to receive a quote and get insured. No hassles! Easy payment! Finance plans, if needed!
jodi H.
1709226367
Love it
Hanna R.
1708272180
Every year, BizInsure is my go to for general and professional liability insurance! Thenrates are unbeatable.
Calandra K.
1708044666
The agent was quick and efficient in generating a quote for my needs.
Theresa F.
1707895796
I enjoy working BizInsure they always answer all my questions and make sure i have the correct coverage for my business.
Prompt and professional service from Biz Insure. Thanks Leslie and Liza!
Bev G.
1707524454
Very easy to sign up for insurance.
Great company
Brown G.
1706896003
Fast and efficient!
Kim C.
1706746693
عالی
alireza J.
1706727364
It was great being able to get a policy that suits my company's need in less than 30 minutes. They were vey thorough. Very competitively priced.
Lynette C.
1706621476
I worked with Andrea for another start up business. She was very knowledgeable and help me pick the correct policy. Amazed at how quickly the process went.
Representative was very kind, helpful, and educated me well. I appreciated today's prompt service with confirmation that I was satisfied with what was provided to me.
Tina P.
1706224051
Great company for.your low cost business insurance needs.
constantin T.
1706156911
Staff was very fessional and friendly. I was able to get a quote and move forward within 20 minutes.
Pebbles S.
1706126428
Wonderful
Complete C.
1705788054
MUY BUENO
Super easy process.
Ashley G.
1704830227
It’s very easy to understand and at a very reasonable price.
Mary M.
1703780096
Professionalism, Quality, Responsive and budget friendly
B D
1703029371
Great rates, easy to understand and select appropriate coverage, can get in a jiffy
Brie C.
1702775397
I have been a customer of BizInsure for a few years now and I love it. There customer service is awesome and the prices are affordable.
Danyale W.
1702132165
Quick easy experience! The rep was knowledgeable & pleasant. Customer care was awesome to respond and clarify my concerns.
Kathy Ann A.
1702059151
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
1701380391
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Terry
1701319042
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
1700848536
Always and easy process. Thanks!
Gerald S.
1700244544
Renewal was quick and easy online
Angelita K.
1699752900
js_loader
Google Rating
4.7
Based on 254 reviews
×
js_loader