Workers' Comp FAQs

What is workers’ comp?

Workers’ compensation provides no-fault coverage for employees sustaining an injury or illness on the job, which can result from a specific work-related accident or may occur over time during the course and scope of employment. All 50 states have workers’ compensation laws. 

What does the coverage include?

Although the exact benefit levels vary by state, the statutory benefits available to injured workers include medical care to treat the injury, as well as indemnity payments for a portion of lost wages.

Do all businesses need workers’ comp?

Workers’ compensation laws are compulsory in all states except New Jersey and Texas. In New Jersey and Texas the workers’ compensation laws are elective and allow the employer to “opt in or opt out”. The employer is responsible for the cost of workers’ compensation insurance and cannot legally require an employee to pay any of this cost.