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Expert answers to all your business insurance questions.

What do I need to do when my employee is injured and needs workers' comp...

It’s stressful when a member of your team goes down on the job. But here’s exactly what you need to do in the state of California to get through the situation...

Can I exclude owners and officers from workers’ comp coverage in...

Okay, let’s look at exactly who your California workers’ comp policy will cover—and whether you can exclude anyone from coverage. First of all, here’s the guiding principle for...

What happens if I don't get workers' comp in California?

There are quite a few consequences to going without workers’ comp in California, and none of them are good. If you don’t get workers’ comp for your business, you could personally...

Is workers’ comp required for my California business?

Do you need to buy workers’ comp insurance for your California business? The short answer: yes—if you have an employee who spends regular time in California. But we’ll dig a little...

The employer’s guide to California workers’ comp insurance

Have a California business? Trying to figure out workers’ comp? Hey, you’re on the right page. Here’s what you need to know about workers’ compensation insurance in California—in...

The employer's guide to Nevada workers' comp insurance

If you’re trying to figure out Nevada workers’ comp—and what your obligations are as an employer—you’ve come to the right place. Business insurance is what we do. So we’ve put...

What should I do if my Nevada employee is injured?

Even if you’ve done your best to create a safe workplace, sometimes the unexpected just happens. And when an employee is hurt, it can be difficult to know how to handle the...

Here’s what workers’ comp covers in Nevada

Need to know exactly what workers’ comp covers in Nevada? We’ve got your back. The first thing you need to know, though, is that workers’ comp coverage works differently than other...

Can I exclude owners and officers from coverage in Nevada?

You already know who needs workers’ comp coverage in Nevada. (Basically, if you run a Nevada business with at least one employee, you need workers’ comp.) Now, it’s time to cover...

What happens if I don’t buy workers’ comp for my Nevada business?

If you have employees in Nevada, you need workers’ comp—that’s the law. But you might be curious about what might happen if you forget to get coverage. We’re here to give you the...

Is workers’ comp required for my Nevada business?

Do you run a business in Nevada with at least one employee? Then the quick answer is yes. You need to buy workers’ comp for your company. It’s the law, it’s the right thing for...

What should I do if my Georgia employee is injured on the job?

You work hard to make your business a safe place to work. But things happen. And, when they do, you need to react quickly...

What does workers’ comp cover in Georgia?

Workers’ comp coverage pays medical expenses, lost wages, and death benefits for an injury or illness that an employee sustains while at their job (or for a job-related cause...

Can I exclude owners, officers or partners from workers’ comp coverage...

If you’re ready to purchase workers’ comp for your business—but need help figuring out whether you’re allowed to exclude any of your upper leadership—we’ve got answers. Here’s how...

What happens if I don’t get workers’ comp in Georgia?

If you’re gathering information about what it means to get a workers’ comp policy for your Georgia business, you’re also probably wondering if you can get away with not having a...

Does my Georgia business need workers’ comp?

If you’ve just started your Georgia business — or if you’re growing beyond just a few employees — you likely have questions about workers’ comp coverage. The first obvious...

The Employer’s Guide to Georgia Workers’ Comp Insurance

If you’re trying to understand how workers’ comp works in Georgia, you’ve reached the right place. Business insurance is what we do, and we’ve put together a list of the important...

The Employer’s Guide to South Carolina Workers’ Comp Insurance

If you’re confused by workers’ comp, you’re in the right place. We do business insurance—it’s what we know best—and we’ve put together a list of the things you really need to know...

What should I do if my South Carolina employee is injured?

You do your best to make sure your workplace is safe. But things still happen. And, when an incident occurs, you’ll need to take action fast. Here’s what to do immediately after an...

What does workers’ comp cover in South Carolina?

If you’re curious about what workers’ comp covers in South Carolina, you’re reading the right article. First, you should know that workers’ comp works differently than many other...

Can I exclude owners or officers from workers’ comp coverage in South...

You already know that workers’ comp is required in South Carolina if you have at least four workers. But, depending on how your business is organized, you might be allowed to...

Does my South Carolina business need workers’ comp?

If you’re just starting a South Carolina business — or if you’re about to hire a few more employees — you likely have some questions about workers’ comp coverage. First, an obvious...

The complete guide to Pennsylvania workers’ compensation requirements

If you’ve got questions about workers’ comp requirements in Pennsylvania, you’ve found the right article. Here’s everything you need to know (and a handy index to help you find it...

What should I do if my Pennsylvania employee is injured?

It’s difficult when a member of your team faces a workplace injury, but we’re here to help you navigate it. Here’s what to do immediately following the incident...

Here's what workers' comp covers in Pennsylvania

Workers’ comp doesn’t have limits in the same way that other insurance coverages do. Instead, the State of Pennsylvania has already made coverage decisions for you, and you’ll get...

Can I exclude owners and officers from workers' comp in Pennsylvania?

Let’s look at whether you can exclude anyone from workers’ comp coverage in Pennsylvania...

What happens if I don't buy workers' comp for my Pennsylvania business?

You really don’t want to go without workers’ comp. The consequences could include hefty fines, jail time, and lawsuits...

Is workers’ comp required for my Pennsylvania business?

The short answer: if you have an employee on your payroll, you need workers’ comp. Even if you only have one employee, you must have worker’s comp. That counts for full-time...

What do I need to do before renewing my workers’ comp policy?

Okay, you’re coming up on your workers’ comp renewal date. Here’s a handy list of things to do (and think about) to make the process as stress-free as possible...

How do I buy workers’ comp insurance for my company?

Here’s the general process for getting workers’ comp for your business: Get a broker; Fill out an insurance questionnaire; Provide supporting documents (payroll records and other...

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  • Workers' Comp Basics

How do I change my workers’ compensation insurer?

Switching to another workers’ compensation insurer is pretty simple. Here’s how the general process goes: 1. First, check your current workers’ comp contract...

What does workers’ comp cover, anyway?

Workers’ comp covers any injury or illness related to an employee’s job. For example, an employee can claim workers’ comp benefits if they hurt their back while lifting a heavy...

How do I get lower rates on my workers’ comp insurance?

First things first. Let’s talk about how workers’ comp is calculated. Workers’ comp rates are calculated primarily from the size of a company’s payroll. As payroll goes up, so...

Why do I need workers’ comp insurance?

You need workers’ comp because it is required by law just about everywhere. Without it, your business could face fines, penalties, and a potential lawsuit...

What is workers' comp insurance? How does it work?

Workers’ compensation insurance is a policy that protects your employees in case they are ever hurt on the job. If your employee gets injured or sick because of their work...

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