Workers' Compensation Insurance

Protect your business from employee injuries & illnesses

A small business owner’s guide to workers’ comp insurance

Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.

How does workers’ compensation insurance work?

Each state has its own unique set of workers’ compensation laws that employers must follow. These regulations help ensure that employers provide coverage for the cost of work-related injuries or occupational diseases, regardless of employee negligence.

An employee can only receive benefits if their injury or illness relates to their job duties or employment. Workers’ comp insurance could cover injuries caused by lifting heavy equipment, slipping on a wet or oily surface, or sustaining injury due to fires or explosions.

If an employee isn’t acting within the scope of their employment and becomes injured, such as playing football with friends on a day off, workers’ compensation insurance won’t cover them.

Who needs workers’ compensation insurance?

Workers’ compensation insurance is required by law in almost every state. Some worker exemptions exist, so you’ll want to check with your state to find out if coverage is mandatory for your business.

Choosing to forgo workers’ comp coverage puts your business at high financial risk. Not only can you face a lawsuit for workplace injuries, but you’ll likely be fined for breaking the law.

Keep in mind, workers’ comp insurance protects not only your employees, but your small business too. For example, if your insurance is compliant with state law, an employee who receives benefits can’t sue you for their injuries or lost wages.

They can, however, sue you for things that aren’t covered under the workers’ comp portion of your policy. Employer’s liability insurance is also included in your policy to pay for court costs and legal fees if you’re involved in such a lawsuit.

How much does workers’ compensation insurance cost?

In 2020, the national average monthly cost for workers’ compensation insurance through the Progressive Advantage® Business Program was $86. Remember, this is only an average. Your rate will depend on specific qualities of your business including your state, payroll and claims history.

Discover how these and other factors influence your workers’ compensation cost. You may also start a quote online, or contact us directly to speak with an in-house agent who can help you find coverage.

How to get workers' comp insurance through Progressive

Most states allow you to purchase workers' comp insurance through private insurers like us. We help a wide range of businesses get the coverage they need under their state's workers' compensation laws. You may start a quote online or call us to speak with a licensed agent about your options.

If you need coverage in Ohio, North Dakota, Washington or Wyoming, you'll need to contact your state for insurance. These states only allow businesses to get workers' compensation insurance through them.

Visit our state directory for more information about workers' compensation and other types of business insurance in your state.

Workers’ Compensation from Progressive Commercial, also known as workers’ comp, protects your employees if they get sick or hurt while on the job.

It helps pay for your employees’ medical expenses, lost wages, and rehabilitation for their work-related injuries. For example, slipping on a wet floor, lifting heavy boxes or a variety of other incidents.

Employees who accept workers’ comp benefits typically can’t sue you for their injuries. However, workers’ comp can help cover court costs and legal fees if you do get involved in a lawsuit.

Workers’ comp is required by law for employers in almost every state, and not having it puts your business at a high financial risk. The amount of protection your business needs is based on a variety of factors like location, employee risk, payroll and more.

Protect your small business with Workers’ Compensation from Progressive Commercial. Call us or start a quote online today.

DISCLAIMER: Progressive Casualty Ins. Co. & affiliates

Common questions

In addition to injuries that occur outside of work, injuries that occur intentionally, while commuting to and from work, or due to intoxication or substance abuse wouldn’t be covered by workers’ compensation.

It varies based on where your business operates. For example, certain types of employees, such as seasonal workers, may not be covered by workers’ compensation in some states. Contact us at 1-888-806-9598 and we’ll help you answer any state-specific questions you have about your coverage.

Not usually. While workers compensation laws vary from state-to-state, most states don’t require sole proprietors to carry workers’ comp.

Depending on the state, contractors and volunteers can be entitled to workers’ compensation benefits if they’re injured or become ill on the job. Our in-house agency can help answer any state-specific workers’ compensation questions you have. Give us a call at 1-888-806-9598.

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