What’s Workers Comp Insurance, and Who Sells it?

Workers Comp[sensation] insurance is a double-edged sword.

When someone gets hurt at work, this insurance helps out. It pays for medical care and some lost wages.

It also stops workers from suing their bosses over the injury.

Do you need it, who sells it, where to buy it? Kindly read up to know.

How Does It Work?

Each state has its own rules for workers comp. They decide things like how much money workers get and what injuries count.

Some states run the insurance themselves, while others use private companies.

Workers Comp Insurance

What’s Covered?

It covers injuries at work or while doing work tasks, even if it’s not at the workplace.

But it doesn’t cover accidents on the way to or from work.

It also covers illnesses or diseases caused by work, like breathing in harmful chemicals.

Do You Need It?

In most states, if you have employees who aren’t owners, you need workers comp.

Even in states where it’s not required, it’s a good idea.

If someone gets hurt and you’re not covered, you might have to pay a lot of money.

Who Sells It?

You have to buy it separately. Each state has its own rules about where to buy it.

In some states, you can only buy from a state agency, while in others, you can choose between private companies and the state.

How Much Does It Cost?

The cost depends on things like your industry and how much you pay your workers.

If your business is in a risky area, like one prone to natural disasters, you might pay more.

Your Duties

You need to keep records of accidents and report them to the state and your insurer.

You also need to help injured workers get back to work by providing medical care and keeping in touch with them.

The Benefits

Getting workers back to work quickly is good for everyone. It helps them financially and helps your business. 

So, it’s important to communicate well and make sure injured workers feel supported.


In workers’ comp cases, nobody gets blamed. The money you get doesn’t go down if it was partly your fault, and it doesn’t go up if it was partly your boss’s fault.

If you can go back to work but can’t earn as much as before because of your injury, you might get some money to make up for the difference. 

You might also do lighter work until you’re fully healed.

But if you get hurt because you were drunk or on drugs, or if you meant to hurt yourself or someone else, you can’t get workers’ comp.

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