Workers' Compensation Insurance

Protect your business from employee injuries & illnesses

What is workers' compensation 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. For example, workers’ comp insurance could cover injuries caused by:

  • Lifting heavy equipment
  • Falling objects
  • Slipping on a wet or oily surface
  • Fires or explosions

If an employee is injured outside the scope of their employment, 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 coverage 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 company at high financial risk. You can face a lawsuit for workplace injuries and even be fined for breaking the law.

Keep in mind, workers’ comp insurance protects both your employees and small business. For example, employees who accept workers’ comp benefits typically can’t sue you for injuries or lost wages.

They can, however, sue you for things that aren’t covered under workers’ comp, such as negligence. In these instances, employer’s liability insurance can help protect your business. Most workers’ comp policies include this coverage.

How much does workers’ compensation insurance cost?

In 2021, the national median cost for workers’ compensation insurance through Progressive was $65 per month. The average monthly price was $111.

A lower median cost suggests that outliers made the average premium appear higher than what most policyholders spent. Your rate will depend on specific qualities of your business including your state, payroll and claims history.

The best way to discover which factors influence your workers' comp cost is to get a workers' compensation insurance quote.

How to get workers' comp insurance through Progressive

Most states allow you to purchase workers' comp insurance through private insurance companies like us. We help a wide range of businesses get the coverage they need under their state's workers' compensation laws.

Some buyers have limited options for securing workers' compensation insurance policies. 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 purchase workers' compensation insurance through them.

Visit our state directory for more information about workers' compensation for your small business. Start a quote online or call us to speak with a licensed agent.

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.

Most businesses should have both workers’ comp and general liability insurance. These coverages protect against a variety of claims. Workers' compensation covers your employees, and general liability covers people and property not involved in your business.

Workers’ compensation is required in most states. While general liability insurance isn’t mandatory, you should consider it to protect from other claims against your business.

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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