Frequently Asked Questions

Workers' compensation insurance generally does not cover:
• Injuries that occur outside of work
• Intentional self-inflicted injuries
• Injuries occurring during commuting (to and from work)
• Incidents involving intoxication or substance abuse

Coverage requirements vary by state and by type of employee. In some cases, certain workers—such as seasonal or temporary employees—may have different coverage requirements depending on state law. Most businesses with employees are required to carry coverage.

Employer's liability coverage protects your business if a lawsuit arises from an employee who is injured or becomes ill as a result of their job. This coverage is typically included as part of a workers' compensation insurance policy. However, in monopolistic states, employer's liability coverage may need to be purchased separately. Workers' compensation covers the employee's medical costs and lost wages, while employer's liability helps protect the employer from certain legal claims and associated expenses.

In most cases, no. Workers' compensation laws vary by state, but many states do not require sole proprietors to carry coverage. However, sole proprietors may still benefit from having workers' compensation insurance, especially if they work in environments where there is a risk of injury. This coverage can help protect personal income and cover medical expenses if a work-related injury occurs.

Yes. Workers' compensation insurance can provide coverage for self-employed individuals. While it may not be required by law, many business owners choose to carry coverage to protect against medical costs and lost income resulting from a work-related injury or illness.

Coverage for 1099 workers, independent contractors, and volunteers depends on state laws and how those individuals are classified. In some cases, these individuals may be eligible for workers' compensation benefits if they are injured or become ill while performing work-related duties. It is important to review state-specific requirements to determine whether coverage is required.

Workers' compensation costs are based on several key factors, including:
• Your industry or profession
• Total payroll
• Claims history
• Number of employees
• Business location
State laws also play an important role in determining workers' compensation requirements and pricing. Because we focus exclusively on office-based businesses (lower risk), our premiums are often more stable and competitive.

A workers' compensation audit is a formal review conducted by your insurance provider to verify that your coverage is accurate. During an audit, the insurer may review payroll records, tax documents, financial records, and employee classifications. Audits are typically required when a policy is issued and at each renewal period to ensure proper coverage and correct premium calculations.

Both employers and employees must follow specific steps when filing a workers' compensation claim. If an employee is injured on the job:
• The employee should seek medical attention and document all treatment
• The incident should be reported as soon as possible
• Formal notice of the injury must be submitted
Once this information is collected, the employer should contact their insurance provider. A claims specialist will guide both the employer and employee through the claims process to ensure proper handling and timely resolution.

Supporting an employee after a workplace injury or illness is an important part of the recovery process. Employers should:
• Ensure the employee understands how to access their benefits
• Maintain regular communication during recovery
• Monitor progress and provide support
• Establish a clear return-to-work plan
A structured return-to-work program helps employees transition back safely and efficiently while supporting overall business continuity.