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What is workers’ compensation insurance?
Workers’ compensation insurance protects your employees if they ever get sick or injured because of a work-related accident. It’ll pay out to cover your injured workers’ medical expenses and lost wages—and it might even cover ongoing disability benefits (like wage replacement) and medical treatment if the injury is serious. You can get an affordable workers’ compensation policy from Huckleberry in minutes. (The whole process is online and super easy.)
Does your small business need workers’ compensation?
If your small business hires people, you probably need workers’ compensation coverage. A sick or injured employee is no joke, and neither are medical care and rehabilitation costs. It’s required by law almost everywhere in the United States, and most states require that you purchase workers’ compensation coverage as soon as you hire your first employee. Workers’ compensation laws vary from state to state, though. Check below to see your state’s Department of Labor requirements.
Here’s where Huckleberry sells small business insurance by state:
How much is workers’ compensation insurance?
Your workers’ compensation rate is calculated primarily based on the size of your payroll—the bigger your payroll, the more you’ll pay for workers’ compensation. Other factors which affect your rate include your industry and where your small business is located. So prices vary a lot, and the quickest way to find out what you might pay for workers’ compensation is to get a 60-second workers’ compensation estimate here. When buying from Huckleberry, the median premium cost is $1,123 per year, but our customers have paid as low as $271 per year for their workers’ compensation policy!
Whatever you pay, though, it’s less expensive than going uninsured: according to the National Safety Council, the average cost of a workers’ compensation claim is $40,000. (Yikes.)
Why get workers’ compensation from Huckleberry Insurance?
Great question! Here are three good reasons:
- You’ll probably pay less for workers’ compensation with Huckleberry.
- We can get your small business covered in about the same time it takes to make a cup of coffee. In fact, 95% of Huckleberry customers are done with the whole process in about 5 minutes—which is several weeks faster than most of the other options out there.
- You can manage just about everything through our convenient online business insurance portal. (Seriously—no paperwork. Everything is simple.)
Workers’ compensation insurance FAQ
Yes, workers’ compensation is required by law in most states. In the interest of maintaining workplace safety, preventing work-related injuries, and avoiding the enormous costs that workers’ compensation claims can present, most businesses in the U.S. are legally mandated to purchase coverage. Check with your local state authorities (or the Huckleberry website) to learn more about the regulations in your area, though.
That depends on your location and other factors, but a good rule of thumb is this: if you ever employ other people to run your small business (even if only on a part-time basis), you likely need workers’ compensation. That’s true no matter how your business is organized—LLC, sole proprietorship, partnership, or corporation. But if it’s truly just you, then you likely don’t need a workers’ compensation insurance policy, although self-insurance is always an option.
If you never hire anyone to run your small business—in other words, you run your business and do everything by yourself—you probably don’t need workers’ compensation. Also, depending on your state, members of a company’s leadership team may be exempt from workers’ compensation benefits (or eligible to file for exemption). Ask your insurance company for full details about your state’s rules.
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