Workers' Compensation Insurance

Protect your employees from workplace injuries and shield your business from costly liability claims. When accidents happen, we help you recover and stay compliant.

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Down payment options available

50+

Carriers we shop to find your best rate

1 Day

Coverage effective on policy start date

24/7

Claims support when you need it most

What Our Workers' Compensation Covers

Comprehensive protection for your employees and business, tailored to your industry and risk profile.

Medical Benefits

Full coverage for emergency care, ongoing treatment, prescribed medications, and necessary medical procedures resulting from workplace injuries or occupational illnesses.

Wage Replacement

Partial income replacement for employees unable to work during recovery. Benefits typically cover 60-75% of lost wages depending on state regulations and injury severity.

Rehabilitation Services

Coverage for physical therapy, occupational therapy, and vocational rehabilitation to help employees return to work or transition to suitable alternative employment.

Permanent Disability

Benefits for employees with lasting impairment from workplace injuries, including scheduled loss benefits and permanent disability awards as governed by state law.

Death & Funeral Benefits

Statutory death benefits and funeral expense coverage to support families of employees lost due to work-related incidents.

Employer's Liability

Protection against third-party lawsuits where an injured employee attempts to sue the employer outside standard workers' compensation channels.

Why Choose TruNorth for Workers' Compensation?

Our workers' compensation insurance is designed by insurance professionals who understand the unique risks facing modern businesses. We combine broad coverage, competitive rates, and exceptional service to give you peace of mind.

Fast quote process—get covered in under two minutes
Industry-specific rates reflecting actual workplace hazards
Dedicated claims management for faster resolutions
24/7 access to policy documents and claims information
Safety program assistance to reduce future incidents
Customizable coverage limits and retention options
Available across all 50 states (except where noted)
Experience modification rate (EMR) discounts for safety records

Frequently Asked Questions

What is workers' compensation insurance required for? +

Workers' compensation insurance is a state-mandated form of insurance that provides benefits to employees who suffer work-related injuries or occupational illnesses. It's required for most employers in all states except Texas (where it's optional). In exchange for guaranteed benefits, employees typically waive the right to sue their employer for negligence related to the injury.

How are workers' compensation premiums calculated? +

Premiums are based on several factors: your industry classification code (which reflects workplace hazard levels), total payroll, your claims history, and your Experience Modification Rate (EMR). Businesses with fewer claims and stronger safety records typically pay lower premiums. Your specific job duties and employee roles significantly influence final pricing.

What's the difference between workers' comp and general liability? +

Workers' compensation covers employees for work-related injuries or illnesses, regardless of fault. General liability covers third-party bodily injury or property damage claims (e.g., a customer injured on your premises). Both are important but serve different protective purposes. Many businesses carry both policies for comprehensive protection.

How do I file a workers' compensation claim? +

Report any workplace injury immediately to your HR department or supervisor. Most states require notification within 24-48 hours. Your employer will complete claim forms and submit them to our claims department. We'll guide the injured employee through the process, approve treatment, and manage benefits. You can track claim status anytime through our online portal.

Can workers' compensation reduce my future premiums? +

Yes. A strong safety record directly impacts your Experience Modification Rate (EMR). Businesses that prevent injuries and maintain few or no claims receive EMR discounts, significantly lowering future premiums. We provide safety program recommendations and resources to help reduce workplace incidents.

Is temporary or seasonal staff covered under workers' compensation? +

Yes. All employees—including part-time, temporary, and seasonal workers—must be covered if they meet your state's minimum employment threshold (typically 1+ employee). Your policy premium is calculated based on your total payroll, including all worker classifications.

Ready to Protect Your Team and Business?

Get a fast, no-obligation workers' compensation quote tailored to your industry and payroll. Our licensed agents are ready to help.

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