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Workers' Compensation Insurance

Protect Your Employees With Top-Rated Insurance For Workers’ Compensation

LOW RATES, GREAT COVERAGE
Find out just how low your premiums could be.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance (also known as workers’ comp) is designed to help businesses cover the cost of employees’ medical expenses and lost wages for work-related injuries, illnesses, and deaths. With more than a decade of experience, Insurance Canopy is a trusted source for businesses of all sizes to get the employee coverage they need.

First-Party Claims

First Party Claims

If a window cleaner falls from a ladder or an employee is burned during a fire at your store, your coverage can help pay for medical bills.
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Meet State Requirements

Meet State Requirements

Workers compensation insurance requirements vary by state, which is why our policies work with you to meet all guidelines
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No-Fault Coverage

No-Fault Coverage

The amount your coverage pays out for a claim is not increased or decreased based on an employee or employer’s fault or carelessness.
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Who Needs Worker' Compensation Insurance?

Regardless of size or industry, any business that hires employees needs workers’ comp insurance. Workers’ compensation insurance may be required by the state your business is located in or by a contract for work or partnership. If something were to happen to one of your employees because of their job, you have to be ready to cover those costs.

Let’s say you’re a manufacturing company and one of your employees has an allergic reaction to the fumes they are exposed to on the production floor. They had to be rushed to the hospital and miss a week of work. Workers’ comp can help you pay for those expenses.

In another example, let’s say someone broke into your store and an employee was harmed during an altercation. The employee later decides to sue you stating you did not provide a better security system and adequate safety training. Having workers’ comp insurance could help you hire an attorney, pay court costs, and cover settlements or judgements.

Workers’ Compensation Insurance For Small Businesses

Workers’ comp insurance from Insurance Canopy offers your business and employees high quality protection for an affordable price.

How Much Is Workers’ Compensation Insurance?

Workers’ comp insurance is priced individually based on a few factors unique to your business, so there is not one set price. To calculate your costs, Insurance Canopy will look at:

Business Operations

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Type of Work

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State Requirements

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Payroll Classification

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Number of Employees

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Business Operations

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Type of Work

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State Requirements

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Risk Exposure

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Payroll Classification

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Annual Gross Payroll

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For example, a small accounting firm in Idaho would expect to pay less than a construction company in California. This is because someone working a desk job is less likely to get hurt than a construction worker. Lower risks may generally mean lower insurance rates.

Your business will be the one who pays workers’ compensation insurance premiums. You then may use this coverage to help you cover medical bills, legal fees, lost wages, or funeral costs for your employees.

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The Right Workers' Comp Insurance

For Your State's Requirements

What Does Workers’ Compensation Insurance Cover?

Workers’ comp may help your business pay for expenses related to an employee’s illness, injury, or death; such as:

The most common injuries workers’ compensation insurance covers are sprains and strains from heavy lifting, with health care, retail, and manufacturing businesses seeing the highest number of work-related injuries.

Trusted Coverage From Insurance Experts

0 +

Years of Experience

972

Businesses Trust Insurance Canopy

8

Industries Covered

What Is Not Covered By Workers’ Compensation Insurance?

There are instances where workers’ comp insurance cannot cover an employee’s medical bills or your business’s legal fees. These can include:
  • Intoxication or drugs
  • Claims after termination
  • Injuries from company policy violations
  • Wages for a replacement worker
  • Independent contractor injuries
  • OSHA fines
  • Fights your employee caused
  • Intentionally caused illnesses, injuries, or death
  • No physical trauma
  • Discrimination
  • Failure to promote
  • Wrongful termination
  • Incidents occurring during a commute
Your workers’ comp policy also cannot help you cover claims outside of employee illnesses or injuries. If another person is hurt, equipment was broken, or a vehicle was damaged, you will need the appropriate policies to cover those claims.

You're In Good Company With Insurance Canopy

Here's what other people have to say about their experience.

Sheri Lowe
Sheri Lowe
Business Owner
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"Great insurance company"

Great company easy to work with, and they even sent me reminders about my renewal!!!! Thank you so so much
Alex Churchill
Alex Churchill
South Florida
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"Fast, easy, and always there when I need it! "

Fast, easy, always there. As a mobile dj it’s important to me to have access to a cost friendly insurance option when needed. That’s exactly what you get! Great policy at a great rate. Thanks!!!
Lilly-Mae Gallagher
Lilly-Mae Gallagher
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"Reliable & Affordable"

Very reliable and affordable insurance. Customer service is outstanding and hassle free when renewing.
Micah Strickland
Micah Strickland
Orlando FL
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"The online application was very easy to use definitely will use again"

My first time using this Company I like the ease of navigating through the site.
Aalia Nicholson
Aalia Nicholson
Business Owner
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"So easy and quick to get the coverage I needed."

I loved working with insurance canopy. Their customer service was so available and willing to answer my questions as a first time business owner. Great pricing, quick, and easy.
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Questions About Workers’ Comp Insurance

What Is Workers' Compensation?
Clint from Veracity Insurance is here to break down what Workers' Compensation is and why it's important.

Still have questions regarding liability insurance for personal trainers? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET. You can also chat with us, send us an email, or give us a call. We are happy to help!

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