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What Is Workers’ Compensation Insurance?

Workers' compensation insurance gives employees medical, wage and other financial benefits if they are injured or become ill on the job. This coverage is required in most states. Workers' compensation insurance is also known as workman's comp or workers' comp insurance.
employee recovering from work-related injury with workers’ compensation

How Does Workers’ Compensation Insurance Work?

Workers’ compensation insurance helps your employees recover from work-related injuries and illnesses so they can get back to work faster. Workers’ comp benefits can help:
  • Cover medical care and medical treatment
  • Replace most of their lost wages if they take time off from work to recover
  • Provide disability benefits
  • Give death benefits, like helping pay for a funeral if they lose their life in a work accident or from a job-related illness
  • Cover costs related to a lawsuit from an employee’s work-related injury or illness
Keep in mind that workers’ comp doesn’t cover injuries that occur outside of work, intentionally, or while commuting to and from work. It also doesn’t cover accidents that occur due to substance abuse or intoxication.
Más información sobre what workers compensation covers.

How Much Is Workers’ Compensation Insurance?

Workers’ compensation insurance costs vary. But according to our policy data, most of our customers with less than $300,000 in payroll pay an average of $81 a month.2 Some policies can start as low as $13 a month.3 Of course, this is for customers with The Hartford. Workers’ comp quotes will vary in price, but you can see how much you’ll pay by getting a quote online today.
Average Monthly Workers' Compensation Cost for The Hartford's Customers:4
Para monto del sueldo:
Approximate Monthly Cost
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Who Needs Workers’ Compensation Insurance?

Almost all businesses need workers’ compensation coverage, but the most common industries are:
  • Asistencia Médica
  • Manufactura
  • Restaurants
  • Retailers
  • Contratistas

The Advantages of Workers’ Comp From The Hartford:

Your employees have access to over 1 million providers experienced in treating workplace injuries.
Your employees have access to more than 65,000 U.S. pharmacies to fill a prescription, usually with no out-of-pocket expenses, plus convenient mail-order service.
If your worker gets hurt with a needle, this helps cover medical expenses and pays for the initial testing of your employee and their patient. It can also reimburse your employee for additional testing.
Highly experienced nurse case managers work with your employees to help coordinate healthcare and treatment. They can also help with physical, emotional and occupational therapies.

Common Questions About Workers' Comp

Workers’ compensation helps your employees recover from work-related injuries or illnesses. It can help if your workers:
  • Trip while walking up the stairs in your office
  • Develop carpal tunnel syndrome from poor typing habits
  • Get hurt in a car accident on their way to visit a client
It can also help pay to train your employees for new roles if they can’t return to their old roles. And, if they can’t return to work at all, workers’ compensation coverage can provide long-term disability benefits.
Some situations take place on the job and outside of work that are not covered by workers’ compensation insurance. Here are a few examples of what most workers’ compensation plans don’t cover: 
  • Injuries received by a fight that an employee started
  • Injuries an employee sustains due to being intoxicated in the workplace
  • Injuries an employee gets intentionally
  • Emotional injuries that are not accompanied by a physical workplace trauma – learn more about mental health in the workplace
Most states have workers' compensation requirements. Not carrying workers' compensation can lead to significant fines and penalties. The laws vary by state and can include exclusions for certain types of employees.
For example, workers classified as federal employees get coverage through a program administered by the Department of Labor.
An insurance company uses different factors to come up with workers’ comp rates. This can include your business’:
  • Nómina de Sueldos
  • Industria
  • Employees’ type of work
  • Claims history
The National Council on Compensation Insurance assigns classification codes based on the type of job workers do. If your business has a history of claims, this could increase your cost for coverage.
You can use this formula to estimate your workers’ comp insurance cost:
formula for estimating your workers’ comp insurance cost
Several factors, like specific roles and the size of your business, can help determine which employees need workers’ compensation coverage. The requirements for workers’ comp coverage will vary state by state, but most require workers’ compensation insurance for full-time employees.
If you’re self-employed, or a sole proprietor, your state laws may not require you to buy workers’ compensation insurance for your business. Workers’ comp coverage could still be helpful to have because your usual health insurance may not cover medical costs associated with a work-related injury. Coverage requirements will vary depending on the state you’re located in, so be sure to check with your local laws to find out what you’ll need.
Workers’ compensation is typically used for employer-to-employee relationships, but it can also apply to independent contractors too. If you work as a general contractor or a subcontractor, you may have to buy workers’ comp insurance if the contract you signed requires it. If you own a small business that hires contractors, keep in mind that any employee who accepts workers’ comp benefits loses the ability to sue your business for damages.
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Less hassle, more help. We know what small business owners are looking for – and we’re delivering it.
hartford workers’ comp customer testimonial

Workers' Comp Customer Testimonial

Vince Valenza, owner of Blues City Deli in St. Louis, talks about the importance of having workers’ comp coverage.

Your State’s Workers’ Comp Laws

Workers’ compensation laws vary by state. Select a state using the map or dropdown menu and learn about its workers’ compensation system. Or browse all states workers’ comp insurance coverages.
workman's compensation insurance being used to help employee recover

Need Workers’ Comp Insurance?

You try to run your business as safely as possible, but workplace accidents and employee sickness on the job happens often. We’re here to help your employees through their injuries and get them back to work faster.
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Contenido adicional

Business partners high five because their new business is protected by workers' compensation insurance

Otras coberturas para empresas

We offer insurance coverages for companies of all sizes – large and small.
Última actualización: 4 de junio de 2024
1,2,3,4 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
*** This is a simplified calculation for educational purposes only. Actual premium calculations can be more complex. Experience mods are subject to state requirements and do not apply to every policy.
Divulgaciones adicionales a continuación.
The Hartford no será responsable de ningún daño relacionado con el uso de la información proporcionada en esta página. Consulte con su agente/corredor de seguros o compañía de seguros para determinar las necesidades específicas de cobertura, ya que el contenido publicado aquí se ofrece con fines informativos solamente.
La información contenida en esta página no debe interpretarse como asesoramiento legal, de Recursos Humanos, financiero o de seguros específico, y no es una garantía de cobertura. En el caso de una pérdida o reclamación, las determinaciones de cobertura estarán sujetas al lenguaje de la póliza, y cualquier pago de reclamación posible se determinará luego de que se investigue la reclamación.
Ciertas coberturas varían según el estado y es posible que no estén disponibles para todas las empresas. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the Aviso legal.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.