What Does Workers’ Compensation Insurance from Embroker Cover?

Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. ¹Company-reportedProduct-page description; not a statement about the issuing insurer.

Embroker says workers' compensation is legally required for employers in most U.S. states, that four states (North Dakota, Ohio, Washington and Wyoming) are monopolistic and require buying from the state fund, and that solopreneurs without employees are typically not required to carry it. ¹Company-reportedProduct-page eligibility, 'Is Workers Compensation required by my state?' and 'Do self-employed business owners need workers compensation insurance?' sections; requirements vary by state and are not independently verified here.

Embroker lists coverage for employee medical expenses, lost wages, rehabilitation, death benefits, and legal defense costs if an employee sues over a workplace injury; commuting injuries are excluded. ¹Company-reportedProduct-page What's covered and What's not included sections; the issued policy and declarations control.

Embroker describes typical state minimum limits of $100,000 per occurrence and $100,000 per employee for injury claims, and $500,000 for disease-related claims, noting these limits vary by state and can be increased for a higher premium. ¹Company-reportedProduct-page 'What are Workers Compensation limits?' section; actual limits depend on the state and policy purchased.

Embroker says premiums are driven mainly by employee count, claims history, the type of work performed, and the employer's Experience Modification Rate (XMod), which compares a company's claims history to similar businesses over a three-year period. ¹Company-reportedProduct-page 'What does Workers Compensation insurance cost?' section.

Embroker offers an instant online quote for workers' compensation through its digital platform. ¹Company-reportedProduct-page 'Get started with Embroker to receive an instant workers compensation insurance quote' call to action; no quote was requested during this research.

Embroker describes a claims process where the employer documents the injury, provides paperwork to the employee, and files with the insurer, typically within a 30-day reporting window; the insurer can deny claims involving horseplay, intoxication, commuting or self-inflicted injury, and an approved claim generally pays medical costs plus about two-thirds of the employee's regular weekly wage. ¹Company-reportedProduct-page 'How do Workers Compensation claims work?' and related FAQ sections; general process description, not a guarantee of a particular outcome.