What is workers' compensation?

Workers' compensation is a form of insurance that provides wage replacement and medical benefits to employees injured in the course of employment.

Why do I need workers' compensation insurance?

Employers are liable for injuries at work even if the employee contributed to the fault. Worker’s comp will cover the medical expenses and lost pay when your employees are injured at work.

It is required by law. The fine print is different for every state but currently every state besides Texas has some type of requirement. Some links to state details are below.

Arizona

If any employer is regularly hiring employees then they are required to carry worker’s comp insurance.

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California

In California worker’s comp is required as soon as a single employee has been hired.

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Colorado

All employers with one or more employees must provide workers comp for their employees.

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New Mexico

All businesses that employee three or more workers are required to have workers comp coverage.

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Nevada

All employers that have a single employee are required to have coverage for their employees.

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Texas

Texans are not legally required to have coverage, but can still be a good idea to make sure your employees are covered.

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Utah

All business with an employee are required to have workers comp coverage.

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