Workers’ Compensation Insurance
Protect your business and help take care of employees who become sick or injured on the job. Get insured for as low as $42.13/month*
Over 1 million customers worldwide.
Buy instantly online.
Workers’ Compensation Insurance for Small Businesses
Coverage for Your People and Your Business
While most types of insurance protect the policy holder, workers’ compensation is designed to protect you (the business owner who holds the policy) and your employees.
For owners:
It can financially protect your business from lawsuits that could be filed by an injured worker. This is often referred to as employer’s liability insurance.
For employees:
It can cover medical expenses and lost income if an employee becomes hurt or sick while on the job.
For sole proprietors:
If you’re the one who does it all for your business, this coverage can provide workers’ comp benefits if an accident or an injury puts you out of action. You can find out more here.
Get Workers’ Compensation Insurance Today
What is Typically Covered by Workers’ Compensation?
Workers’ compensation can cover exams, tests, and surgeries — even after an employee returns to work.
An employee unable to work as the result of an injury could receive a portion of their wages in a lump sum or in weekly installments.
Benefits can help cover physical therapy and ongoing care to help an employee recover and return to work.
Workers’ compensation also can help pay for a funeral and other end-of-life costs.
What is Typically Not Covered by Workers’ Compensation?
If someone other than an employee is injured in the course of your normal work, they are not covered by workers’ compensation. However, they may be covered by general liability insurance, which we recommend for small business owners.
OSHA (Occupational Safety and Health Administration) fines are penalties levied against employers for violating safety regulations and are not covered.
While creating safety programs can help reduce workers’ comp premiums, the costs of safety enhancements are not covered by workers’ comp.
Workers’ comp is designed to provide benefits to you, including lost income. However, it doesn’t cover the cost to hire someone to replace you if you’re unable to work as the result of a covered illness or injury.
What is Typically Not Covered by Workers’ Compensation?
If someone other than an employee is injured in the course of your normal work, they are not covered by workers’ compensation. However, they may be covered by general liability insurance, which we recommend for small business owners.
Workers’ compensation covers employee medical expenses, lost wages, and rehabilitation costs. OSHA fines are penalties levied against employers for violating safety regulations and are not covered.
While creating safety programs can help reduce workers’ comp premiums, the costs of safety enhancements are not covered by workers’ comp.
Workers’ comp is designed to provide benefits to you, including lost income. However, it doesn’t cover the cost to hire someone to replace you if you’re unable to work as the result of a covered illness or injury.
Some Uncommon Workers’ Compensation Injuries
Workers’ compensation can cover a wide range of situations where an employee is hurt or becomes sick, such as slips and falls, machinery accidents, and exposure to harmful substances. However, workers’ comp can often cover some incidents you may not have been aware of.
- An allergic reaction from a catered lunch at work
- Breaking your ankle during a company softball game
- Injuring your back reaching for a pencil that rolled under a desk
- Sustaining bites from another employee’s dog brought onto the worksite
Get Workers’ Compensation Insurance Today
The High Cost of Not Having Workers’ Compensation
Work-related accidents can happen, and when they do it can be costly if you don’t have workers’ compensation coverage. Here are a few examples of the most frequent types of employee injuries and their average claims.1
Vehicle accidents during work
$90,914
Neck injuries
$68,021
Burns
$63,119
Slips, trips, and falls
$51,047
Lower back injuries
$40,409
1Data taken from the National Council on Compensation Insurance’s (NCCI) Workers’ Compensation Statistical Plan database.
How Much Does Workers’ Comp Cost?
Looking for a quick estimate? Just answer 3 questions.
What Some Customers are Paying for Workers’ Comp2
South Carolina
HVAC contractor
- 4 employees
- 3+ years in business as an LLC
- Coverage purchased 1/3/2025
$106/month
New Jersey
Tutoring business
- 3 employees
- 10+ years in business as an LLC
- Coverage purchased 4/24/2025
$147/month
Missouri
Restaurant
- 16 employees
- 10+ years in business as an LLC
- Coverage purchased 4/15/2025
$195/month
2These examples are real insurance quotes generated on the dates above. They are for illustration purposes only. Your coverage options and pricing may differ based on the information you provide us about your particular business, the state you operate in, the number of employees, and other factors.
Does a Business Have to Have Workers’ Comp Insurance?
Nearly all 50 states require a business with employees to carry workers’ compensation insurance. Specific requirements can vary by location, so it’s a good idea to check with your state and local agencies. We can help find workers’ comp coverage for many different types of businesses, including these:
Do Business Owners Without Employees Need Workers’ Comp?
Business owners are generally not required to have workers’ comp coverage. However, you may need it to land jobs in certain higher-risk fields, such as construction or roofing. And if you’re a sole proprietor, it can be good to have if a work-related injury or illness puts you out of action — especially because some health insurance policies may not cover you for work related injuries or illnesses.
You can learn more about the benefits of workers’ comp insurance for sole proprietors here.
Workers’ Compensation
A One-minute Explanation
Find out what workers’ comp covers, why you might need it, and how we can help — all in just 60 seconds.
As a business owner, you’re the one making it all happen. But as your business grows, you’re likely to have to bring on some people to help get the job done. And in most states once you have employees, you may need workers’ compensation insurance. Workers’ comp can help cover if an employee gets sick or injured while working for your business, that can include medical rehab, bills loss, wages, and even death benefits. Carrying a workers’ comp insurance policy can prevent an injured employee from suing your business. Workers’ comp laws differ by state, which can make it difficult to figure out what coverage you need. Not to worry, if you need coverage, our high-tech online quote tool is designed to help you get what you need for the state or states you work in. Plus we’ve got helpful licensed agents you can speak to on the phone. Workers’ comp can help take care of your employees and we can help you take care of workers’ comp.
Answers to More Workers’ Comp Questions
Cost is determined by a number of factors, including what your business does (and the risks involved). Other factors include, but are not limited to, your business payroll, claims history, and where you do business.
We can help find coverages for as low as $42.13/month* and you can buy workers’ comp insurance online in just 10 minutes right here.
Looking for more cost information? Visit our Workers’ Comp Cost page.
A standard health insurance plan may not cover a work-related illness or injury. Plus, many health insurance plans won’t cover lost income as a result of your injury or rehabilitation and retraining costs.
Laws and regulations vary from state to state, but not having the proper coverage can come with steep fines and other penalties. It’s best to check with your state agencies for specific information. We have guides to get you started in these states:
Workers’ Compensation Insurance CA
Workers’ Compensation Insurance MN
Workers’ Compensation Insurance NJ
Workers’ Compensation Insurance NY
Workers’ Compensation Insurance PA
We make it easy. Just complete one application and compare workers’ compensation insurance quotes from top-rated small business workers’ compensation insurance companies — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
We have more workers’ comp FAQs here.
Small business insurance made simple.
Search
Answer a few questions and get coverage recommendations for your business.
Compare
View custom quotes from top-rated small business insurers.
Save
Choose your policy, many with monthly payment options,
Trusted by over 1 million small businesses worldwide.
This block is configured using JavaScript. A preview is not available in the editor.
More Helpful Information About Workers’ Compensation Insurance
*Displayed price is an estimate based on the 10th percentile of Workers’ Comp policies sold by Simply Business between January-June 2024, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.
Workers’ Compensation Insurance
Protect your business and help take care of employees who become sick or injured on the job. Get insured for as low as $42.13/month*
Over 1 million customers worldwide.
Buy instantly online.
Workers’ Compensation Insurance for Small Businesses
Coverage for Your People and Your Business
While most types of insurance protect the policy holder, workers’ compensation is designed to protect you (the business owner who holds the policy) and your employees.
For owners:
It can financially protect your business from lawsuits that could be filed by an injured worker. This is often referred to as employer’s liability insurance.
For employees:
It can cover medical expenses and lost income if an employee becomes hurt or sick while on the job.
For sole proprietors:
If you’re the one who does it all for your business, this coverage can provide workers’ comp benefits if an accident or an injury puts you out of action. You can find out more here.
Get Workers’ Compensation Insurance Today
What is Typically Covered by Workers’ Compensation?
Workers’ compensation can cover exams, tests, and surgeries — even after an employee returns to work.
An employee unable to work as the result of an injury could receive a portion of their wages in a lump sum or in weekly installments.
Benefits can help cover physical therapy and ongoing care to help an employee recover and return to work.
Workers’ compensation also can help pay for a funeral and other end-of-life costs.
What is Typically Not Covered by Workers’ Compensation?
If someone other than an employee is injured in the course of your normal work, they are not covered by workers’ compensation. However, they may be covered by general liability insurance, which we recommend for small business owners.
OSHA (Occupational Safety and Health Administration) fines are penalties levied against employers for violating safety regulations and are not covered.
While creating safety programs can help reduce workers’ comp premiums, the costs of safety enhancements are not covered by workers’ comp.
Workers’ comp is designed to provide benefits to you, including lost income. However, it doesn’t cover the cost to hire someone to replace you if you’re unable to work as the result of a covered illness or injury.
What is Typically Not Covered by Workers’ Compensation?
If someone other than an employee is injured in the course of your normal work, they are not covered by workers’ compensation. However, they may be covered by general liability insurance, which we recommend for small business owners.
Workers’ compensation covers employee medical expenses, lost wages, and rehabilitation costs. OSHA fines are penalties levied against employers for violating safety regulations and are not covered.
While creating safety programs can help reduce workers’ comp premiums, the costs of safety enhancements are not covered by workers’ comp.
Workers’ comp is designed to provide benefits to you, including lost income. However, it doesn’t cover the cost to hire someone to replace you if you’re unable to work as the result of a covered illness or injury.
Some Uncommon Workers’ Compensation Injuries
Workers’ compensation can cover a wide range of situations where an employee is hurt or becomes sick, such as slips and falls, machinery accidents, and exposure to harmful substances. However, workers’ comp can often cover some incidents you may not have been aware of.
- An allergic reaction from a catered lunch at work
- Breaking your ankle during a company softball game
- Injuring your back reaching for a pencil that rolled under a desk
- Sustaining bites from another employee’s dog brought onto the worksite
Get Workers’ Compensation Insurance Today
The High Cost of Not Having Workers’ Compensation
Work-related accidents can happen, and when they do it can be costly if you don’t have workers’ compensation coverage. Here are a few examples of the most frequent types of employee injuries and their average claims.1
Vehicle accidents during work
$90,914
Neck injuries
$68,021
Burns
$63,119
Slips, trips, and falls
$51,047
Lower back injuries
$40,409
1Data taken from the National Council on Compensation Insurance’s (NCCI) Workers’ Compensation Statistical Plan database.
How Much Does Workers’ Comp Cost?
Looking for a quick estimate? Just answer 3 questions.
What Some Customers are Paying for Workers’ Comp2
South Carolina
HVAC contractor
- 4 employees
- 3+ years in business as an LLC
- Coverage purchased 1/3/2025
$106/month
New Jersey
Tutoring business
- 3 employees
- 10+ years in business as an LLC
- Coverage purchased 4/24/2025
$147/month
Missouri
Restaurant
- 16 employees
- 10+ years in business as an LLC
- Coverage purchased 4/15/2025
$195/month
2These examples are real insurance quotes generated on the dates above. They are for illustration purposes only. Your coverage options and pricing may differ based on the information you provide us about your particular business, the state you operate in, the number of employees, and other factors.
Does a Business Have to Have Workers’ Comp Insurance?
Nearly all 50 states require a business with employees to carry workers’ compensation insurance. Specific requirements can vary by location, so it’s a good idea to check with your state and local agencies. We can help find workers’ comp coverage for many different types of businesses, including these:
Do Business Owners Without Employees Need Workers’ Comp?
Business owners are generally not required to have workers’ comp coverage. However, you may need it to land jobs in certain higher-risk fields, such as construction or roofing. And if you’re a sole proprietor, it can be good to have if a work-related injury or illness puts you out of action — especially because some health insurance policies may not cover you for work related injuries or illnesses.
You can learn more about the benefits of workers’ comp insurance for sole proprietors here.
Workers’ Compensation
A One-minute Explanation
Find out what workers’ comp covers, why you might need it, and how we can help — all in just 60 seconds.
As a business owner, you’re the one making it all happen. But as your business grows, you’re likely to have to bring on some people to help get the job done. And in most states once you have employees, you may need workers’ compensation insurance. Workers’ comp can help cover if an employee gets sick or injured while working for your business, that can include medical rehab, bills loss, wages, and even death benefits. Carrying a workers’ comp insurance policy can prevent an injured employee from suing your business. Workers’ comp laws differ by state, which can make it difficult to figure out what coverage you need. Not to worry, if you need coverage, our high-tech online quote tool is designed to help you get what you need for the state or states you work in. Plus we’ve got helpful licensed agents you can speak to on the phone. Workers’ comp can help take care of your employees and we can help you take care of workers’ comp.
Answers to More Workers’ Comp Questions
Cost is determined by a number of factors, including what your business does (and the risks involved). Other factors include, but are not limited to, your business payroll, claims history, and where you do business.
We can help find coverages for as low as $42.13/month* and you can buy workers’ comp insurance online in just 10 minutes right here.
Looking for more cost information? Visit our Workers’ Comp Cost page.
A standard health insurance plan may not cover a work-related illness or injury. Plus, many health insurance plans won’t cover lost income as a result of your injury or rehabilitation and retraining costs.
Laws and regulations vary from state to state, but not having the proper coverage can come with steep fines and other penalties. It’s best to check with your state agencies for specific information. We have guides to get you started in these states:
Workers’ Compensation Insurance CA
Workers’ Compensation Insurance MN
Workers’ Compensation Insurance NJ
Workers’ Compensation Insurance NY
Workers’ Compensation Insurance PA
We make it easy. Just complete one application and compare workers’ compensation insurance quotes from top-rated small business workers’ compensation insurance companies — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
We have more workers’ comp FAQs here.
Small business insurance made simple.
Search
Answer a few questions and get coverage recommendations for your business.
Compare
View custom quotes from top-rated small business insurers.
Save
Choose your policy, many with monthly payment options,
Trusted by over 1 million small businesses worldwide.
This block is configured using JavaScript. A preview is not available in the editor.
More Helpful Information About Workers’ Compensation Insurance
*Displayed price is an estimate based on the 10th percentile of Workers’ Comp policies sold by Simply Business between January-June 2024, divided evenly across a 12 month policy term. Actual price and payment terms, including an initial down payment, may vary based on your state, insurance provider, and business.