Does My Business Need Workers’ Compensation?

Workers’ compensation, commonly referred to as “workers’ comp,” is a government-mandated program that provides benefits to workers who become injured or ill on the job or as a result of the job. It is effectively a disability insurance program for workers, providing cash benefits, healthcare benefits, or both to workers who suffer injury or illness as a direct result of their jobs.

You can see below, how work comp can protect your business:

Now, the REAL QUESTION... how do they calculate the cost?

The cost of workers’ compensation insurance varies by state, as do the mandated benefits. There also are different rates depending on whether the employees covered are performing low-risk or high-risk jobs.
The fees for the insurance are based on the company’s payroll numbers.


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