What Does Workers’ Compensation Insurance Cover?
Answers about workers’ compensation requirements and coverage for employees, owners, contractors and remote workers.
What Are the Basics of Workers’ Compensation Insurance?
Is Workers’ Comp Required?
Most states require workers’ comp for most employers, but thresholds, exemptions, and alternatives depend on state law.
What Is Covered Under Workers’ Compensation Insurance?
Does Workers’ Comp Cover Car Accidents?
A car crash may qualify for workers’ comp when the employee was acting for work; ordinary commuting and personal trips may be treated differently.
Does Workers’ Comp Cover Contractors?
Workers’ comp may cover a contractor classified as your employee under state law; an independent contractor with separate coverage is a different case.
Does Workers’ Comp Cover Mental Health Conditions?
Workers’ comp may cover a mental-health condition linked to work, but state law and medical evidence determine eligibility.
Does Workers’ Comp Cover Occupational Disease?
Workers’ comp can cover occupational disease tied to work under state law, but each state sets its own definition and proof rules.
Does Workers’ Comp Cover Owners?
Workers’ comp covers an owner only when state law and the policy include them, often through an election or endorsement.
Does Workers’ Comp Cover Remote Workers?
A remote worker’s injury may qualify if it is work-related under state law and the employee is covered in that state.
Does Workers’ Comp Cover Repetitive-Stress Injuries?
Workers’ comp may cover cumulative injuries from repeated work motions, subject to medical evidence and state causation rules.
Does Workers’ Comp Cover Work-From-Home Injuries?
A work-from-home injury may qualify when it stems directly from assigned work; household or personal activity may not.
Who Needs Workers’ Compensation Insurance?
Do Business Owners Need Workers’ Comp?
Employers usually need workers’ compensation for employees, but whether you must cover yourself as an owner depends on your state and entity.
Do Contractors and Independent Contractors Need Workers’ Comp?
A business may have to cover a contractor who qualifies as an employee under state law, regardless of the contract or 1099 label.
Do Independent Contractors Need Workers’ Comp?
A contractor may need workers’ compensation if the state classifies them as your employee; a contract label alone does not decide status.
Do Interns Need Workers’ Comp?
An intern may need workers’ compensation even if unpaid; state law and the work arrangement determine employee status.
Do LLC Members Need Workers’ Comp?
LLC members’ workers’ compensation status depends on state law, employees, and any owner election; some states exclude members by default.
Do Part-Time Employees Need Workers’ Comp?
Part-time employees often need workers’ compensation; reduced hours alone do not create an exemption.
Do Remote Employees Need Workers’ Comp?
Remote employees usually remain subject to workers’ compensation rules; the employee’s work state can determine where you need coverage.
How Does Workers’ Compensation Insurance Compare With Other Coverage?
Workers’ Comp vs. Disability Insurance: What’s the Difference?
Workers’ comp covers work-related injury or illness; disability insurance can replace income for qualifying disabilities from work or nonwork causes.
Workers’ Comp vs. Employers’ Liability: What’s the Difference?
Workers’ comp pays statutory benefits to employees; employers’ liability addresses certain injury lawsuits against the employer.
Workers’ Comp vs. General Liability: What’s the Difference?
Workers’ comp covers employees’ work injuries; general liability covers many injury or property-damage claims by other people.
How Do You Buy Workers’ Compensation Insurance?
Do I Need Workers’ Compensation Insurance?
If you employ workers, you often need workers’ compensation, but each state sets its own thresholds and exceptions.
What Are Workers’ Comp Requirements by State?
Most states require coverage for most employers, but thresholds, owner rules, and insurance options vary by state.
Coverage Guides Related to Workers’ Compensation Insurance
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