Federal Requirements

Understanding Workers' Compensation Programs for Federal Workers

The U.S. Department of Labor’s Office of Workers’ Compensation Programs (OWCP) administers four major disability compensation programs. These programs provide benefits to federal workers (or their dependents) and other specific groups who are injured at work or develop an occupational disease.

OWCP Benefits

These benefits include:

Understand Your State Requirements

Workers’ compensation laws vary by state and may affect how coverage is obtained.

For monopolistic states such as:

businesses are required to purchase workers’ compensation insurance directly through the state fund.

Employer Requirements

Employers are required to follow workers’ compensation laws in the state where they operate. These laws ensure that employees are covered for work-related injuries or occupational illnesses, regardless of fault.

An employee is eligible for benefits only if the injury or illness is directly related to their job duties or employment.

Employee Experience

What Does Workers' Compensation Cover?

Workers’ compensation insurance covers employees who become sick or injured as a result of their work. Benefits typically include:

Medical Expenses —

Workers' compensation helps pay for doctor visits, hospital stays, surgeries, medications, and other related treatments.

Lost Wages —

If an employee is unable to work due to a job-related injury or illness, workers' compensation provides a portion of their regular wages.

Rehabilitation Costs —

Coverage may include physical therapy, occupational therapy, and other services needed to support recovery.

Disability Benefits —

If a work-related injury results in temporary or permanent disability, workers' compensation may provide short- or long-term benefits, subject to the policy terms.

Death Benefits —

If an employee dies as a result of a workplace injury or illness, workers' compensation may provide financial support to dependents, including funeral expenses.

Note:

Coverage details may vary based on location and policy structure.

What Does Workers' Compensation NOT Cover?

Workers’ compensation insurance generally does not cover:

Who Needs Workers' Compensation Insurance?

Most businesses with employees are required to carry workers’ compensation insurance, although requirements vary based on:

Exemptions: Some exemptions may apply depending on state law.

Self-Employed & Independent Contractors: Self-employed individuals or independent contractors may not be required to carry coverage, but it can still provide valuable protection by helping cover medical expenses and lost income if a work-related injury occurs.

Small Businesses: Workers’ compensation requirements apply to many types of small businesses. Even businesses with only one or two employees may be required to carry coverage, depending on state regulations and industry classification.

Benefits of Workers' Compensation Insurance for Employers

In addition to supporting employees, workers’ compensation insurance protects employers.

Lawsuit Protection:

If a policy is compliant with state law, employees who receive workers’ compensation benefits are generally limited in their ability to sue the employer for workplace injuries or lost wages.

Employer's Liability Coverage:

However, certain claims may still arise, such as those involving employer liability. In these cases, employer’s liability coverage within the policy can help cover legal costs and court expenses.

How To Get Coverage

How to Get Workers' Compensation Insurance Through Center Point Insurance Group

Step 1 —

Understand Your State Requirements:

Workers’ compensation laws vary by state. For monopolistic states such as Ohio, North Dakota, Washington, and Wyoming, businesses must purchase workers’ compensation insurance directly through the state fund.

Step 2 —

Gather Your Business Information:

To receive an accurate quote, you will need to provide key details about your business, including business address, total payroll, number of employees, type of work performed, and claims history.

Step 3 —

Request a Quote from Center Point Insurance Group:

Contact us to receive a workers’ compensation quote tailored to your business. We will review your business information, recommend appropriate coverage, and provide clear and competitive pricing.

Get Workers' Comp Employee Protection

Protect your business from employee injuries and workplace illnesses with reliable, office-focused workers’ compensation coverage.