Who typically needs this
- Employers with employees, depending on state law
- Contractors whose clients require proof of coverage
Business
Workers' Compensation
Workers' compensation can help cover medical costs and wage replacement for employees injured on the job, subject to state law. Coverivo helps employers understand when coverage is required and what underwriting information is typically needed.
Common coverages
- Work-related medical expenses, subject to the policy and state law
- Disability or wage replacement benefits as required
- Employer's liability, depending on the form
Things to consider
- Requirements vary by state and worker classification
- Payroll, class codes, and claims history affect premium
Questions people ask
Do I need workers' compensation if I have only a few employees?
It depends on your state and how workers are classified. Coverivo can help you gather facts; a licensed professional should confirm requirements.
Coverivo is an independent insurance broker, not an insurance carrier. Coverivo is staffed by licensed insurance professionals who help you evaluate and request coverage from applicable markets. We do not underwrite or issue insurance policies. Insurance products and availability vary by state and insurance company. Coverage is subject to underwriting, eligibility requirements, policy terms, exclusions, and carrier approval.