Worker’s compensation insurance is a form of business insurance designed specifically to help cover the costs involved with work-related injuries and illnesses. Worker’s compensation insurance can help pay for related medical care and expenses, pay from lost hours due to the work-related injury or illness, and even payment to families in the event of death due to a work-related injury or illness.

Requirements vary from state to state, but if you have employees, you need worker’s compensation insurance to protect your business and employees from the unexpected. If an employee is injured, becomes ill, or dies while on the job, worker’s compensation insurance helps pay out so your business isn’t caught covering the loss. While worker’s compensation may not be required for business owners and other special situations, most businesses with employees should carry worker’s compensation insurance.

Worker’s compensation insurance policies can help pay for a variety of things involving work-related illness, injury, or death, including: help paying related medical care and expenses, wages for lost hours, help paying for ongoing care or resulting disability, payment to families in the event of death. See your individual policy for your specific coverage details.

Great question. We are an independent insurance agency serving Missouri, Kansas, Nebraska, Iowa, Colorado and Nevada, which means we aren’t tied to one specific insurance carrier. We are free to examine the ins and outs of your employee situation and risk needs, and match you to the best insurance carrier that is the right fit you, your business and your employees.