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 that should be made deliberately, not by default.

Do we need workers' comp for contractors?

Independent contractors are generally outside the policy, but two things pull them back in: state misclassification rules that treat de facto employees as employees, and client contracts that require coverage regardless.

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Coverage line

Workers' Compensation

Covers your team if they're injured on the job. Required in most states once you have employees.

What it typically covers

Medical treatment for work-related injuries and illness
Partial wage replacement while an employee recovers
Employer's liability for related suits
Statutory benefits set by each state

A claim it answers

A technician strains their back moving a base unit in your shop and needs treatment plus six weeks of light duty.

Where it fits

Legally required in most states once you have employees, including many part-time roles. Penalties for going without it are steep.

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 that should be made deliberately, not by default.
Do we need workers' comp for contractors?: Independent contractors are generally outside the policy, but two things pull them back in: state misclassification rules that treat de facto employees as employees, and client contracts that require coverage regardless.

Start your application See it inside a package

Your team, injured on the job.

Also placed with

This page describes a line of coverage in general terms. It is not an offer of insurance and not evidence of coverage. Carrier appetite, policy wording, licensing, and availability govern every quote and every claim.