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Workers Compensation Insurance

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Workers' Compensation Insurance

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance protects both employers and employees when a work-related injury or illness occurs. It provides coverage for medical care, partial wage replacement, and disability benefits for employees who get hurt while performing their job duties.

In exchange for these guaranteed benefits, employees generally give up the right to sue their employer for negligence related to the injury. This system often allows injuries to be handled quickly without lengthy legal disputes.

Workers’ compensation rules and required coverage vary by state, industry, and payroll size. The right policy depends on your workforce, your risk exposure, and the nature of your operations. Get help from our team at Performance Insurance to choose the best insurance coverage for your situation.

Who Needs Workers’ Compensation Insurance?

Most businesses with employees must carry workers’ compensation insurance under state law. This applies across many industries and job types, including:

  • Office-based businesses
  • Retail and hospitality
  • Healthcare and clinics
  • Manufacturing and warehousing
  • Transportation and delivery
  • Trades and skilled labor
  • Construction companies

If your business employs even one person, you likely need coverage. Workers’ compensation protects your employees and potentially shields your business from major financial risk after a workplace injury.

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Who Needs Workers’ Compensation

Benefits of Having Workers’ Compensation Insurance

Workplace injuries can happen in any business, even those with strong safety practices. Workers’ compensation insurance gives you financial protection and helps your employees recover without unnecessary stress. Benefits can include:
  • Coverage for medical treatment
  • Partial income replacement during recovery
  • Protection from employee injury lawsuits
  • Compliance with state regulations
  • Support for injured employees returning to work
  • Financial protection for your business assets
Speak with an expert at Performance Insurance today to learn more.
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What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance covers the direct costs associated with job-related injuries and occupational illnesses. Typical coverage can potentially include:
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Medical treatment and hospital care

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Temporary or permanent disability benefits

Settlements

Partial wage replacement during recovery

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Rehabilitation and physical therapy

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Ongoing care for long-term injuries

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Benefits for families after fatal accidents

How To Get Covered

Getting workers’ compensation insurance doesn’t have to be complicated. Our team at Performance Insurance makes the process clear from start to finish, so you can focus on your work.
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Here’s How It Works

Num 1

Request a Quote

Share basic details about your business, payroll, job roles, and number of employees.
Num 2

Review Your Options

We’ll compare multiple carriers and policy structures to find the right match.
Num 3

Customize Your Coverage

Choose employer liability limits and any state-required options based on your risk level.
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Get Approved and Protected

We finalize your policy and issue your proof of coverage.
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Ongoing Support

Our specialists stay available for policy updates, renewals, or any claims questions that arise.

Workers’ Compensation Insurance With Performance Insurance

We help businesses like yours protect their teams and manage risk with clear guidance and reliable coverage. Our agency delivers responsive service, trusted carrier options, and insurance solutions that grow with your operation. Our goal stays simple: protect your people and protect your business.
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Frequently Asked Questions

Does workers' compensation coverage apply to part-time employees?
In most states, workers’ compensation coverage applies to part-time employees who qualify as W-2 employees under state law. Independent contractors paid on a 1099 usually do not fall under workers’ comp, although some states may treat certain contractors as employees based on how they work for your business.
Do injured workers still receive pay if they cannot return to work right away?
Yes. Workers’ comp benefits often help cover a portion of lost wages while an employee recovers and remains unable to perform their normal job duties.
Does workers' comp insurance pay for hospital bills and treatment?
Yes. Workers’ comp insurance often covers approved medical expenses related to workplace injuries, including emergency care, surgery, and rehabilitation.
Am I legally required to carry workers' compensation insurance?
Most states require that businesses carry workers’ compensation insurance as soon as they hire their first employee, though exact rules vary by state.
How much does workers' comp insurance usually cost?

Workers’ comp insurance cost depends on payroll size, job risk level, claim history, and industry classification.

What happens when injured employees need long-term care?

Workers’ compensation insurance coverage can include ongoing medical care, therapy, and disability payments for employees with lasting injuries.

Can I buy workers' compensation insurance anytime during the year?

Yes. You can buy workers’ compensation insurance at any time, not just during renewal periods.

Do construction companies pay higher workers' comp premiums?

Yes. The construction industry typically faces higher workers’ comp premiums due to elevated injury risk and job site exposure.

Does my insurance company handle the injury claim directly?

Yes. Your insurance company manages the claims process, including medical coordination and benefit payments.

Does workers' comp help with permanent injuries?

Yes. Workers’ comp coverage can potentially provide disability payments and structured benefits when an employee suffers a permanent impairment.

What happens if my employee cannot return to their original job?

Workers’ compensation premium calculations often factor in vocational rehabilitation costs to help workers return to suitable employment.

Are death benefits included in workers' compensation policies?

Yes. Death benefits provide financial support to surviving dependents after a fatal workplace accident.

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