Workers compensation insurance protects your employees and your business from work-related accidents, illnesses, and even death. Nearly every state requires that employers have insurance to cover medical costs and lost wages for workers who are injured or become ill on the job.
You need workers compensation insurance if you have employees and if they have a full time job. For almost all businesses in the United States workers compensation insurance isn't an option.
A serious workplace injury could financially devastate your business. Many businesses can’t afford to pay medical bills out of pocket, whether it’s treatment for carpal tunnel syndrome or a broken leg. Without workers compensation insurances, both you and your employees are left in a difficult situation