Effortless workers’ compensation for small businesses

Workers' compensation insurance can help provide financial support for employees who experience job-related injuries or illnesses. Employer responsibilities and rates vary by state. In most cases, workers' compensation is mandatory once you hire at least one employee.

Requirements vary, but most states mandate that businesses with employees carry workers’ compensation insurance. It’s important to check the laws specific to your state to determine if you business is required to carry workers' compensation insurance.

Workers’ compensation may cover medical expenses, lost wages, rehabilitation costs, and death benefits.

Many states require workers’ compensation coverage for household employees depending on the number of hours worked, pay rate and other compensation factors. Failure to provide workers' compensation coverage when required could lead to penalties and fines.