Workers’ Compensation

Required in most states once you have employees. Covers medical bills, lost wages, and rehabilitation after workplace injuries or illnesses.

Why Workers’ Comp matters

Beyond legal requirements, Workers’ Comp protects your team and your business from the costs of workplace injuries. It reduces litigation and supports faster return‑to‑work.

What’s covered

Medical expenses from work‑related injuries or illnesses
Wage replacement (temporary/partial disability)
Rehabilitation and follow‑up care
Benefits for permanent disability or death

What’s not covered

Injuries outside the course and scope of work
Fraud or willful safety violations
Amounts beyond state schedules
Undeclared workers (watch for audits)

Who must carry it?

Most employers once you reach 1–3 employees (varies by state)
Higher‑risk industries: construction, manufacturing, logistics
Startups and professional services with employees
Some contractors/sole proprietors depending on state/contracts

Cost factors

Class codes (NCCI/state) and payroll
Experience modification factor (MOD/X‑Mod)
Safety programs and training
State rules, audits, and adjustments

Compliance tip

Prepare for annual audits by keeping accurate payroll records, class codes, and subcontractor certificates.

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