WORKERS COMPENSATION

When an employee gets injured or becomes ill as a result of their job, workers' compensation insurance ensures they're taken care of — and that your business is protected in the process. It covers medical expenses, lost wages, and rehabilitation costs for injured workers, regardless of who was at fault. Without it, your business could face costly lawsuits and be held personally responsible for an employee's medical bills and recovery. In most states, workers' compensation is not optional — it's required by law the moment you have employees on payroll. Even in lower-risk industries, accidents can happen unexpectedly, and the financial impact of an uninsured workplace injury can be severe. Your independent agent can help you find the right policy based on your industry, payroll size, and the nature of your employees' work.