Workers' Comp
Workers' Compensation pays medical bills and lost wages when employees are injured on the job. We help you classify employees correctly and shop competitive rates.
Coverage that actually covers.
- Medical for work injuries
- Wage replacement
- Disability benefits
- Employers liability
Medical
Treatment for on-the-job injuries.
Indemnity
Partial wage replacement during recovery.
Employers liability
Defense against negligence suits by employees.
Coverage for employees hurt on the job
Workers' compensation helps pay for medical care and part of lost wages when an employee is injured or becomes ill because of their work. It is typically required by law once a business has employees, so for many businesses it is not optional. It can also help protect your business if an injured employee sues.
- It is for your employees, not for customers or visitors.
- It can help with medical bills and part of lost wages.
- It can include employers liability if an injured employee sues.
- Requirements are set by each state.
Situations workers' comp may help with
A lifting injury
A warehouse worker hurts their back lifting inventory.
A kitchen burn
A cook is burned in a restaurant kitchen.
A strain injury over time
An office employee develops a repetitive strain injury over time.
Hurt on a work errand
An employee is hurt in a car accident while running a work errand.
Workers' comp requirements vary by state
Which businesses need it
Each state sets its own rules, and they can depend on how many employees you have, your industry and the kind of work they do.
Owners, officers and contractors
States treat business owners, corporate officers, part-time workers and independent contractors differently.
Where coverage comes from
In most states you buy coverage from a private insurance company. A few states run their own workers' compensation fund.
Going without it
Operating without coverage your state requires can lead to fines and other penalties set by that state.
What workers' comp typically doesn't cover
Independent contractors
People who are not your employees are generally not covered by your policy, though states decide who counts as an employee.
Injuries unrelated to work
An injury that happens off the job, or has nothing to do with work, is generally not covered.
Customers and visitors
Injuries to people outside your business are generally a general liability matter.
Owners and officers, sometimes
Whether business owners and officers are covered depends on state rules and on choices made when the policy is set up.
Check the rules where you operate
If you have employees in more than one state, your advisor can help you understand what each state asks of your business. Each state's workers' compensation agency sets the rules, and whether a specific injury is covered depends on the policy and on state law.
Business insurance, explained first
More than one option
We compare policies from more than one insurance company, so you can see options side by side instead of a single offer.
One dedicated advisor
The same licensed advisor helps you from your first question through your renewal.
Answers before paperwork
Learn what a policy is for and ask your questions before you share details about your business.
Local to the DMV
Based in Rockville, Maryland, and licensed in MD, VA, DC, OH, NC and PA.
Answers, in plain English.
- Do I need WC for 1099 contractors?
- Usually no, but contracts and state rules vary — we'll help check.
Pair it with
All coverage →Commercial Auto
Coverage for vehicles used for business — from a single van to a fleet.
ExploreGeneral Liability
Protects your business from third-party bodily injury, property damage, and ad-injury claims.
ExploreBusiness Owners Policy
General liability and commercial property bundled into one policy, usually cheaper than buying them separately.
ExploreReady to secure your Workers' Comp?
EnsuranceMax LLC is a licensed insurance agency (NPN 14306621) authorized to operate in (MD), (VA), (DC), (OH), (NC), & (PA).