Workers’ Compensation Insurance

Workers’ compensation insurance pays for medical care and lost wages when an employee is injured or becomes ill on the job. In most states it is required once a business reaches a certain number of employees, and it also protects the business from related lawsuits.

What Workers’ Compensation Covers

Coverage includes medical treatment, a portion of lost wages during recovery, rehabilitation services, and death benefits for work-related injuries and illnesses.

Employer’s Liability

Workers’ compensation policies also include employer’s liability coverage, which helps protect your business against certain lawsuits arising from workplace injuries.

Is workers’ compensation required?

In most states, once a business reaches a certain number of employees it must carry workers’ compensation insurance, while smaller employers may provide it voluntarily. The exact threshold is set by each state.

What does workers’ compensation cover?

It covers medical care, a portion of lost wages, rehabilitation, and death benefits for employees who are injured or become ill because of their work.

How much of lost wages does it pay?

Wage replacement is generally up to two-thirds of the employee’s average weekly wage, subject to limits set by state law.

How are workers’ compensation premiums calculated?

Premiums are based on your payroll, the job classifications of your employees, and your claims history (experience modification rate).

Why buy workers’ compensation through an independent agent?

As an independent agency, Gartman Insurance Agency represents many carriers, so we can compare rates and classifications for your business, with personal, local service.

Workers’ Compensation — Coverages Can Include:

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  Medical expense coverage
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  Lost wage replacement
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  Rehabilitation expenses
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  Permanent disability benefits
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  Death benefits
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  Employer’s liability coverage
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  Return-to-work programs
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  Legal defense costs