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Who Pays Workers’ Comp?
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Workers’ compensation provides benefits to your employees if they get sick from their work or injured on the job. Also known as workers’ comp or workman’s comp, this coverage is a type of business insurance. Your state may require you to carry workers' comp insurance.
As an employer, you can buy coverage through a:
- Workers’ compensation state fund
- Private insurance company, like The Hartford
Some states require employers pay for workers’ comp through a monopolistic state agency. Be sure to know what’s required in your state and how you can buy coverage.
For injured employees or workers with a work-related illness, workers’ compensation benefits help pay for:
- Missed wages
- Medical treatment
- Ongoing care costs
- Disability leave
Funeral costs may be covered by workers' compensation insurance, in the unfortunate event your employee passes away while working.
The Options for Who Pays for Workers’ Comp Are Important
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- Customized insurance solutions that can be tailored to the needs of your business.
- Personalized attention and service.
- A claims management approach that helps return employees to work sooner.
- Programs that can help keep your business and employees healthy.
- Pricing flexibility and billing solutions that help you control your finances.
The Hartford Provides Workers’ Comp Insurance to Businesses Who Cannot Pay for Self-Insurance
Workers’ compensation rules and regulations differ in every state. Most employers comply with state laws by buying workers’ comp coverage through private insurance carriers, like The Hartford. Our specialists can work with you to answer your questions and help you get the protection your business needs.
As workers’ comp costs rise, however, many large employers choose to self-insure. Self-insuring may allow an employer to reduce costs. Self-insured employers still comply with state workers’ comp regulations. The difference is these employers are responsible for paying their employees’ claims.
Paying for Workers’ Comp by Being Self-Insured Is Not That Simple
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If you’re a larger business planning to self-insure, we can still help you. Comuníquese con nosotros hoy to learn more about how our team can help your business with its workers’ comp needs.
Have a Private Insurance Company Pay for Workers’ Compensation
Small business owners pay a premium to an insurance company for workers' comp coverage. The insurance company provides workers’ compensation insurance benefits to employees if they get hurt or sick from their job. Depending on the state you’re in, small business owners may choose to work with a private insurer rather than a state-run agency. With over 200 years of experience, we understand that every business has its own unique needs.
Obtenga una cotización hoy. You can also call 855-829-1683 to speak to one of our representatives.