Injuries and illnesses can happen in any line of work. Make sure your business is protected. To get a quote, call 800-292-8135.
For TTY devices, 711
Note: Days and times may vary
It’s coverage that helps protect your business and employees by paying for medical bills, lost wages and legal fees after work-related injuries and illnesses. See note 1
It’s sometimes called workers’ comp or workman’s comp insurance.
In most states, workers’ compensation insurance is required by law for any business with employees.
Typically, coverage applies to regular W2 employees and 1099 contract workers treated as employees under Labor Department guidelines.
Rules vary by state, so you may need to contact your state’s workers’ compensation office (Opens in a new window).
Incidents can include falling off a ladder, getting hurt using machinery or developing an illness from the job. And coverage can vary by state. See note 2
If an employee gets hurt or sick from the job, it pays for medical bills related to the incident, minus the deductible.
If a work-related injury or illness keeps an employee from working, it helps pay a portion of their lost wages.
If an employee can't work for an extended time due to a work-related injury or illness, it helps pay for ongoing care.
If an employee sues your company after a work-related injury or illness, it can help pay for your company’s legal expenses.
To offer you a great mix of coverage, pricing and more, we’ve entered alliances with other leading insurance providers. We meet with them monthly and train them on the service we expect them to provide.
Plus, we offer a range of small business insurance products.
Costs can vary depending on several factors:
It’s best to talk to a commercial specialist who can offer more guidance based on your unique situation. For a quote, call 800-292-8135.
Steps to complete What do I need to get a quote?
Make sure to have this for each employee class.
Explain the type of work your employees do.
Explore other products we offer.
This policy combines general liability, property, and business income coverage. Workers’ comp insurance is separate.
Get coverage for common business risks like bodily injury, property damage and advertising injury.
This coverage helps protect the vehicles you use for your business.
Generally, Coverage C or Section 3C protects you if your employee gets injured or sick in a state where you don’t have ongoing operations.
It typically does this by allowing the policy’s benefits to follow the benefits required by that state.
Some states don’t require sole proprietors or individual contractors to carry workers’ comp insurance. But they may benefit from having it.
A policy could help cover costs if they get injured or sick while working.
Workers’ compensation insurance typically covers hybrid and remote employees who get injured while completing a work-related task during work hours.
It’s best to report work-related injuries or illnesses right away. But each state may have different deadlines for reporting incidents and filing claims.
For specific information, check with your state’s workers’ compensation office.
To get a quote, call a USAA Insurance Agency commercial specialist.
For TTY devices, dial 711
Note: Days and times may vary