Workers Compensation Information

Everything every employer needs to know about workers compensation insurance coverage and how it works.

What is Workers Compensation

Most people don't fully understand workers comp insurance. Employers know they need it, but they often don't understand how it works or how to buy it at the best rates. Browse the topics below to learn more about workers compensation coverage or contact one of our Specialists to get help with specific questions about this important insurance product.

Questions? Call 888.611.7467 for a Workers Compensation Shop Specialist

Workers Compensation Topics

What is Workers Compensation?

Learn more about this employer paid insurance coverage and find out how it helps protect your business and employees in the event an employee is injured on the job.

Basics of Workers Compensation

Find out the seven basic parts of coverage included in a workers comp policy including medical, occupational, and employers liability coverage.

Workers Compensation Laws

Research the various workers comp laws and statutes, and how they vary between each state and effect state workers compensation insurance coverage.

Workers Compensation Claims

Get information about how the workers comp claims process works and how to help protect your policy from higher rates caused by a bad experience modifier.

Workers Compensation Benefits

Workers comp benefits vary by state and injury circumstances. See if your state is employer friendly and how to manage work comp benefits to ensure claim settlements are fair.

Workers Compensation Classification Codes

According to a recent report, 2 out of 5 employers are likely misclassified into an NCCI class code with higher rates than the correct code. We help employers find the best workers comp class codes for their employees.

State Fund Workers Compensation

A workers compensation state fund is typically set-up by each state to ensure that every employer has access to coverage since coverage is mandatory. State Fund's have the highest workers comp costs so we help employers find more affordable voluntary coverage.

Workers Compensation Experience Rating

Many employers have an experience rating assigned by NCCI. This modifies each carriers manual rates and can either increase or decrease an employers actual work comp rates. Learn more about controlling your NCCI experience rating.

Workers Compensation Forms

Access our free workers compensation forms and find state specific forms such as Acord applications, owner rejection forms, ERM-14 forms, and Report of injury forms.

Workers Compensation Audits

Most insurance companies perform a year end workers comp audit to adjust premium based on the actual payroll listed on employer 940's and 941's. Learn more about how to prepare for a workers compensation audit.

Workers Compensation Commission

Ever wonder what an agent typically earns in workers compensation commission from a written policy? We disclose our comp commission and help debunk commission myths.