Get Your Team Covered!

What is Worker’s Compensation?

Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee’s right to sue their employer for the tort of negligence. The trade-off between assured, limited coverage and lack of recourse outside the worker compensation system is known as “the compensation bargain”.

Breaking it Down

In the United States, some form of workers compensation is typically compulsory in most states (depending upon the features of the organization), with the notable exception of Texas as of 2018.[31] Regardless of compulsory requirements, businesses may purchase insurance voluntarily, and in the United States policies typically include Part One for compulsory coverage and Part Two for non-compulsory coverage

Start With a Free Custom Quote

Let us help you find the insurance that'll help you cover your specific needs!