Workers’ Compensation

Cover all your workplace safety needs.

Workers Compensation

While workers’ compensation rules can vary from state to state, your business is probably required to have insurance that pays employees (or their families) if they are injured at work. We can help you identify coverage options that reduce risks, meet compliance needs and protect your employees and your business.

Workers Compensation

Look after your people — and your bottom line.

Improving safety in your workplace or on job sites contributes to fewer accidents that result in claims. But that’s just part of an overall safety-oriented strategy.

Companies that implement serious safety practices—from hiring to safety education and beyond — and have a proven history of reducing the risk of injury to their employees can see reductions in their workers’ compensation premiums.

5% of small businessesare expected to have a workers’ compensation claim every year.1

1Based on data from ZipDo

400-600% ROIfor every dollar an organization invests in workplace safety.2

2Based on data from the Occupational Safety and Health Administration (OSHA)

Let's create a plan that works for you.

If a workplace incident results in an injury or worse, we can protect your employees and your business with specialized coverage that provides compensation for:

Medical bills

Medical bills from hospitalization or treatment to help injured workers return.

Lost wages

Lost wages when an injured employee is unable to work.

Legal costs and settlement

Legal costs and settlements regarding workplace injury or death.

Ways we add value include:

  • Receive the most favorably priced offer for your coverage through our access to national and regional carriers.
  • Alternative risk financing options that align with your organization’s goals and needs are available.
  • By working with your team, we’ll develop a loss-control program that suits your business’ size and type.
  • Receive the best rating available through our review of how your employees are classified.
  • If applicable, we can review your historical losses and ensure that your experience modification (mod rate) is calculated as favorably as possible.
  • Ensure your reserves are properly set and claims are paid correctly and efficiently through our regular review of your losses.

Frequently asked questions about workers’ compensation coverage.

In most states, any employer with one or more employees is required to carry workers’ compensation coverage. Texas is exempt from this requirement.

It depends on where your business or organization is located. In many states, you do not need to provide coverage for independent contractors, domestic workers in private homes or volunteers, for example. Also, some states allow exemptions for certain agricultural and construction businesses and charities. It’s important to understand the requirements in your state. Use our locator tool to find a Highstreet agent near you who is experienced with the rules unique to your state.

Workers’ compensation is a no-fault system, which means that injured or ill employees can receive compensation, but they also give up their right to sue their employer. There are exceptions, however. Workers’ compensation does not protect an employer who intentionally harms an employee through assault, battery, defamation or fraud or causes an injury such as emotional distress.

Premiums are generally calculated based on the type of work your employees do, the number of employees, your business' claims history, and the total payroll.