Coverage line
Workers' Compensation
One of your employees gets hurt on the job. This pays their medical bills and part of their wages, and the law makes you carry it.
Built for moments like these.
A technician strains their back moving a base unit and needs six weeks of light duty.
Covered: Injured on the job
A field installer falls from a ladder at a customer site.
Covered: Your person, their site
The classic mix-up
The customer's own employee trips over your cable.
Not this policy
→ General Liability answers this oneEasy to confuse.
Workers' Compensation
Your own people.
This page
When to buy
Your first employee; required by law in most states.
Typical ask: Set by state law.
Who requires it
State law, once you have employees.
How hard to get
Easy to get
Required by law; price follows your payroll and job types.
Common questions
When is workers' compensation legally required?
In most states, as soon as you have employees, and many count part-time roles. The threshold and the penalties vary by state, and the penalties for going without it are steep everywhere.
Do founders and officers have to be covered?
States differ. Many allow officers to exclude themselves, and some require coverage unless an exemption is filed. It is a per-state election, and worth making on purpose.
Keep reading
Describes a line of coverage in general terms. Not an offer of insurance.