Workers’ Compensation Insurance

Pie provides workers’ comp insurance directly to small businesses through our easy online process.

What is workers' comp insurance?

Workers' compensation insurance, also 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.

The problem with workers’ compensation insurance today


Approximately 80% of small businesses are overcharged for workers’ compensation insurance by up to 30%. 


Buying workers’ compensation online is virtually impossible. Getting quotes usually involves paperwork and delays.


Insurance speak is no one’s friend—and you’re often left to navigate complex policies and procedures all on your own.

Workers’ comp protects small businesses

With workers’ compensation insurance, your team members give up the right to sue you for on-the-job negligence. In return, workers’ comp insurance helps cover medical care and rehabilitation costs if any of your team members are injured or become ill in the workplace, as well as lost wages and death benefits caused by accidents at work.

workers' compensation insurance

People Protection

Cares for your team members when they’re in need of medical assistance

Relieves the stress of medical and rehabilitation bills when your team members are recovering

Helps their families by covering lost wages

workers' comp insurance

Financial Protection

Reduces the risk of a financial loss

Protects your business from being sued by your team members

Limits disruptions as your team members have the financial support to recover faster and return to work

workers' compensation insurance

Legal Protection

Required for almost every business by state law

Penalties can be severe for non-compliance in meeting state requirements

For instance, in Illinois, penalties include up to 3 years in prison and a fine of up to $500 per day*

What’s covered by workers’ compensation insurance?

workers' compensation insurance

Illness or Injury

In case one of your team members becomes ill or is injured due to their work, workers’ compensation covers them for related medical care and economic losses.

workers' compensation insurance


Your team members are 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.

workers' compensation insurance


If someone dies in a work-related incident, death benefits can be paid to their family. These benefits offer financial support when your employees’ families need it the most.

Workers’ comp insurance covers many injuries

workers' compensation insurance


Physical injuries such as exposure to toxins, hearing loss, and carpal tunnel syndrome

Preexisting conditions aggravated by the work environment, such as back pain

Injuries caused by a trip, slip, fall, or by lifting a heavy object

Injuries caused by work facilities, like a falling ceiling tile

workers' compensation insurance

Not Covered

Self-inflicted injuries

Injuries sustained while committing a serious crime

Injuries sustained when not on the job

Injuries sustained while violating company policies

How Much Does Workers' Compensation Insurance Cost?

Pricing can vary wildly between businesses, so try our easy online process to get a workers comp quote specific to your needs.

What do small business owners say about Pie?

Workers’ Comp FAQ

Common questions about workers’ compensation insurance.

What’s a Workers’ Comp Premium Audit?

Learn how to prepare for a workers’ comp audit.