Workers' Compensation Insurance
Workers compensation insurance covers medical care and lost wages when employees are injured on the job, and helps meet state requirements.
Workers' Compensation Insurance for Growing Businesses
Employees who are hurt at work need prompt medical care and wage support. Workers compensation insurance funds those benefits while helping protect employers from certain lawsuits.
Remco Insurance Services places workers compensation nationwide, aligning class codes, experience mods, and multi-state coverage with how you hire and pay employees.
What Is Workers' Compensation Insurance?
Workers compensation is a statutory system requiring employers to provide medical treatment, disability benefits, and rehabilitation for work-related injuries and illnesses. In exchange, employees generally give up the right to sue employers for covered injuries.
Policies are rated by classification codes and payroll. Most states require coverage when you have employees, though rules differ for contractors, owners, and monopolistic states.
Workers Comp Coverage Basics
Benefits required by law, delivered through insurance.
Medical Benefits
Doctor visits, hospital care, prescriptions, and therapy for work injuries.
Disability Wages
Partial wage replacement while employees recover.
Rehabilitation
Vocational rehab when employees cannot return to prior duties.
Death Benefits
Support for dependents after fatal workplace accidents.
Employers Liability
Protects against certain lawsuits outside the comp system.
Multi-State & Voluntary
Coverage extensions when employees travel or work in other states.
Why Workers Compensation Is Mandatory
Operating without required coverage can trigger fines, stop-work orders, and personal liability for owners. Accurate payroll reporting and safety programs reduce experience modification factors over time.
We help you navigate audits, officer exclusions where allowed, and certificates for contractors and project owners.
Frequently Asked Questions
Most employers with W-2 employees need coverage. Requirements for owners, partners, and 1099 workers vary by state and contract.
Rates per $100 of payroll by class code, modified by experience mod and schedule credits. Accurate job descriptions prevent audit charges.
Injuries arising out of and in the course of employment are generally covered, including repetitive stress when recognized by state law.
Some states allow officer exclusions if properly elected. We explain rules for each state where you operate.
Yes if employees work or travel out of state. Policies can include other states coverage or separate policies where required.
A factor adjusting premium based on your claims history compared to peers. Safer workplaces earn lower mods over time.
Get Workers' Comp Coverage
Stay compliant and protect your team with workers compensation placed by an agency that understands payroll and class codes.