Workers' Compensation Insurance

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Accessing high-quality insurance should be straightforward and hassle-free. At PIA Select Insurance Solutions, we believe in the importance of people and their needs. That’s why we offer a comprehensive range of market-leading insurance products designed to protect what matters most to our customers. Whether it’s your home, car, health, or business, our goal is to provide you with the best possible coverage and peace of mind. We are committed to delivering exceptional service and tailored solutions to meet your unique requirements, ensuring you and your loved ones are well-protected in every aspect of life.

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Free Workers' Compensation Guide

California’s workers’ compensation system is notoriously complicated. Due to frequently changing regulations, strong lobbying by the insurance industry, and a legislature that seems out of touch, the system has become a tangled web of legal jargon, riddled with inconsistencies and complexities. This often leaves injured workers uncertain about how to proceed or how to secure the financial benefits they need after a workplace accident or illness.

This book aims to simplify the workers’ comp process and clarify your legal options, presenting the information in a clear and easily shareable format. While it addresses many common concerns, there are numerous unique situations that may arise, which are best navigated with the assistance of a knowledgeable professional.

Frequently Asked Questions

Workers’ compensation can help cover expenses for medical care, lost wages and other costs after a workplace injury.

It’s also referred to as workman’s compensation insurance or workman’s comp.

It can help injured workers if they are hurt on the job and it can protect business owners from significant financial losses after an accident.

For example, workers’ comp can help cover medical treatment and lost wages if a heavy beam lands on a construction worker’s foot and causes a compound fracture.

Without insurance, the employer could be responsible for all related costs, which could add up to tens of thousands of dollars.

But workers’ comp is not just for high-risk jobs.

Repetitive-motion injuries (i.e., carpal tunnel), slip-and-fall accidents and strains can happen at relatively safe businesses.

Many small business owners also buy workers’ comp because it’s required in most states as soon as you hire your first employee.

Business owners in most states are legally required to have workers’ compensation coverage if they have employees.

However, the laws are different in each state.

Colorado law requires coverage as soon as you hire an employee. Tennessee business owners are not required to have coverage until they have five or more employees.Check out the section lower on this page for more details on the workers’ comp rules in your state.

Even when it’s not required by law, many business owners buy coverage so they have financial protection if an employee experiences a work-related injury or illness.

You might be required to have coverage to get a license or permit

Workers’ comp may also be required to get a license for some professions. For example, many states ask for proof of workers’ comp insurance with their general contractor license requirements.

If you need to obtain coverage to satisfy a license or bid requirement quickly, you can get covered within minutes with PIA Select and instantly access your certificate of insurance.

Workers’ comp can help cover employee medical bills and other related expenses after work-related injuries.
Workers’ compensation claims can help pay for:

  • Medical expenses
  • Lost wages
  • Retraining
  • Permanent injury
  • Death benefits
  • Employer liability

Many of the benefits listed above are also available for business owners if they purchase optional business owner’s coverage with their policy.

Does workers’ comp offer coverage for employee lawsuits?

The employer liability coverage offered with workmen compensation insurance can help protect your business from financial losses if an employee sues you for causing a workplace injury or illness.

It can include coverage for several different types of lawsuits, including negligence.

Learn more about what workers’ compensation insurance covers.

What is not covered by Workers’ Comp?

Workers’ compensation benefits provide many important financial protections, but oftentimes it’s not the only type of insurance business owners buy.
Here are some other types of business insurance that might be helpful for your business:

  • General liability can provide coverage for injuries to people who are not employees and damage to property that doesn’t belong to you.
  • Commercial property insurance can help protect the things you need to do business, including inventory, equipment and structures.
  • Professional liability insurance can provide financial protection if you are accused of making a professional mistake.
  • Commercial auto insurance can provide protection if you or your employees drive for work.

Does Workers’ Comp cover COVID?

In many cases, a workers’ comp policy will not provide coverage if an employee is affected by a COVID-19 infection.
However, those who can confirm they were infected at their workplace, might be eligible for coverage depending on the state where they work and the industry.
Each state has unique workers’ compensation laws. It’s important to review your specific policy and how it applies to where you and your employees work.
We review workers’ comp claims on a case-by-case basis.

Most businesses with employees need workers’ compensation. It’s required by law in most states, or business owners buy it to avoid potentially large financial losses.

Learn more about the specific workers’ comp needs for different types of businesses:

Construction

Contractors

Retail

Cleaning

Do I need Workers’ Comp if I am self-employed?

A common misconception about workers’ comp is that it’s only for a business that has employees.

In fact, optional workers’ comp coverage for self-employed workers, sole proprietors and LLC businesses can provide financial protection and help meet contract requirements with clients.

If you don’t have workers’ comp and you are injured at work, you also might not be covered by your personal health insurance. It’s important to read your policy documents carefully to make sure you are protected.

Several factors are used to determine the cost of workers’ compensation insurance, including:

  • The number of employees at your business
  • Your payroll
  • Location of your business
  • Your business operations
  • The job functions of your employess
  • Claims history

If you are exposed to more risks, you typically pay more for insurance, regardless if you’re purchasing workers’ comp coverage or another type of business insurance.

That’s why there’s a significant difference between insurance costs for construction businesses and accountants.

Learn more about workers’ compensation costs.