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Is Workers Compensation Insurance a Requirement?

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Is Workers Compensation Insurance a Requirement?

As a legal requirement, workers compensation is mandated by law in 49 states; Texas is the exception.

Keep in mind that states often vary in terms of which types of employees are covered, when an employer needs to obtain coverage, and other requirements. You can get an overview of state workers compensation laws here, but it’s important to check with your specific state and county.

Beyond meeting legal requirements, there are other benefits to having workers compensation insurance. Having coverage can:

  • Protect your business’s finances if a claim is filed
  • Prevent your business from potentially being wiped out by a catastrophic claim
  • Pay for legal fees if you need to defend yourself against a lawsuit
  • Build trust with your employees
  • Give employees a sense of security that they’ll be taken care of if the worst should happen
  • And more

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. Just give us a call.

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Is Workers Compensation Insurance a Requirement?

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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.

© Copyright 2022 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.