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Do I Need Workers Compensation Insurance?

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It’s often the law.

Workers compensation insurance is generally required by law in all states except Texas. Requirements regarding the number of employees and their type of jobs can vary by state, so it’s a good idea to check with your local and state agencies.

If workers comp is required and you don’t have it, you could be looking at fines, lawsuits, or even criminal charges depending on the state's guidelines.

It’s often good business.

Workers compensation insurance is designed to protect your employees and your business. According to recent information from The National Safety Council — a leading nonprofit safety advocate — the average workers comp claim is more than $40,000.

And it’s not just the amount paid to the worker that you should consider. If you don’t have coverage and a worker sues you, you may be responsible for both the claim and the legal costs.

Want to know more about workers compensation insurance? Check out:

Is Your Business Insured?

Whether you’re shopping for a brand-new policy or comparing policy prices, we can help you find affordable protection that’s personalized to your needs.

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Do I Need Workers Compensation Insurance?


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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

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