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    Workers Compensation Insurance

    Offering benefits to your employees can be a great perk, if you can afford it, but basic workers compensation coverage is an essential purchase for all employers.

    Workers compensation insurance is a legal requirement for all businesses, which protects both you and your employees in the event that someone is hurt or disabled by an on-the-job accident. It is designed to shield employers from liability that may be incurred due to work-related sickness or injury, while financially assisting and compensating workers who are hurt on the job site.

    Any workers compensation policy that you buy must cover all of your employees, including those who work part time. Before buying workers comp insurance, you should check with the Department of Labor in your state, province, or local jurisdiction to determine your exact coverage requirements.

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