Workers’ Compensation Insurance

What is workers' comp insurance?

Workers' compensation insurance, sometimes known as workman's comp insurance, is a state-mandated insurance program that provides medical, disability, survivor, burial, and rehabilitation benefits to employees who are injured or killed due to a work-related injury or illness.

In nearly all states and with few exceptions—businesses are required by law to carry workers’ compensation coverage.

Over 80% of small businesses overpay for workers' comp coverage.

How does workers’ comp protect small businesses?

People protection

Workers’ comp helps businesses care for an injured employee by supplementing medical and rehabilitation bills and by helping offset an injured employee’s lost wages.

Financial protection

Workers’ comp helps protect the business from significant financial loss and from being sued by an injured employee. It can also limit other monetary disruptions to the business.

Legal protection

Workers’ comp can help a small business meet state-mandated laws and workers’ comp requirements so they can avoid sentencing or paying fines for non-compliance.

What does workers’ compensation insurance cover?

Illness or injury

In the case a team member becomes ill or is injured due to their work, workers’ compensation helps cover them for related medical care and economic losses.


An injured team member is also covered for wage replacement associated with time off due to disabilities. The common level of wage replacement is 2/3 of your team member’s wages.

Death benefits

If someone dies in a work-related incident, death benefits may be paid out to their family. These benefits offer financial support when an employee’s family needs it the most.

Why choose Pie for workers’ compensation insurance?


Find coverage that fits. Save up to 30% on workers’ comp.


Take back your time. Get a quote online in 3 minutes.


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What do small business owners say about Pie?

Find answers to common questions on our Workers’ Comp FAQs page or learn more about How We Help small businesses.

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