05/27/2026
🦺 If you have employees, there’s a good chance workers’ compensation coverage is required.
In most states, businesses are required to carry workers’ comp once they have employees, even part-time. However, requirements can vary depending on the state, type of business, and number of employees.
You may need coverage if you:
- Have full-time or part-time employees
- Hire seasonal or temporary workers
- Operate in a state where workers’ comp is mandatory
- Work in certain industries with higher risk
Workers’ compensation is coverage that helps with medical expenses and lost wages if an employee is injured on the job.
For example, if an employee slips while working, gets injured using equipment, or is hurt while performing job-related duties, workers’ comp can help cover those costs.
Having this coverage is not just about compliance, it helps protect both your business and your employees if something unexpected happens.
If you’re not sure what’s required for your business, we’re happy to walk through it with you.
Coverage varies by policy. Contact us for details.
