07/22/2026
Adding employees is an exciting milestone, and it's also a good time to review your insurance coverage. Hiring staff can change your level of risk, which may affect the coverage your business needs.
Here are a few things to keep in mind:
✔ Workers' compensation: In most states, businesses are required to carry workers' compensation insurance once they hire employees. It can help cover medical expenses and lost wages if an employee is injured on the job.
✔ Payroll matters: Workers' compensation premiums are often based on your payroll and the type of work your employees perform. Be sure to report changes so your coverage stays accurate.
✔ Company vehicles: If employees drive company-owned vehicles, or use their own vehicles for business purposes, you may need to review your commercial auto coverage.
As your business grows, your insurance should grow with it. If you're hiring employees, we're happy to review your coverage and answer any questions along the way. Contact our team today to schedule a business insurance review.