# Workers' Compensation Statutory coverage for employees injured on the job. Required in nearly every state. ## About workers' compensation Workers' comp is statutory: states set the rules, and employers buy a policy that meets them. It pays medical bills, lost wages, and rehabilitation for an injured employee, and shields the employer from most employment-injury lawsuits. ## What this policy responds to The core exposures this coverage line responds to. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## What drives the cost Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Is workers' comp required in my state? Nearly every state requires it once you have employees, though thresholds and exemptions differ. Confirm your state's rule, because penalties for going without are steep. ### Does workers' comp cover independent contractors? Generally no. True independent contractors carry their own coverage. Misclassifying workers, however, can leave you exposed, so review status carefully. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time.