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  • A Quick-Start Guide to Workers’ Compensation

    Game Plan


    How Workers’ Comp Protects You

    Good workers' comp is an affordable benefit that protects both you and your employees. In fact, once you review your options, you may want to strengthen your policy by adding coverage. (Of course, the more you add, the higher your premiums will be.) For example, you may want to be covered for:

    • Legal expenses if an employee makes an inappropriate claim of work-related illnesses or injuries (this coverage is usually included in workers’ comp insurance, but you can increase the amount of coverage)
    • Employees who are injured in states outside those where your business normally operates
    • Various types of injuries and illnesses
    • Funeral expenses and financial support to dependents
    • Reimbursement percentages for lost wages
    Game PlanGame Plan

    Game Plan

    • Workers’ comp laws vary widely by state. You can determine your own state’s guidelines on key issues, such as legally required coverages and job classifications, at
    • If you don’t want to spend a lot of time hunting down all that info, simply ask your insurance professional, accountant and/or payroll provider for information on those issues, as well as details on types of coverage you may need or want, depending on the business you’re in.