Workers' Comp Coverage By Industry
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Does my small business need workers' comp insurance coverage?
Most small businesses are legally required to carry workers’ comp insurance coverage. Workers’ comp helps protect businesses and employees from the costs associated with work-related injuries. Workers’ comp provides wage replacement and medical benefits to workers who experience job-related illnesses or injuries.
What happens if my small business doesn’t carry workers’ comp coverage?
If your small business operates in a state that legally requires workers’ comp insurance, you risk fines, felony charges, or even jail time for not having the right coverage. If you live in a state where workers’ compensation insurance is not legally required, you should still consider having appropriate coverage so your business and team members are not left vulnerable to financial risks.