Question 1

How much does workers’ comp cost?

Accepted Answer

It depends on your state, payroll and the risk level of the work. Office jobs usually cost far less than construction.

Question 2

Do I need workers’ comp for myself as the owner?

Accepted Answer

It depends on your state and business type. Many sole owners can choose whether to cover themselves.

Question 3

Is workers’ comp required for small businesses?

Accepted Answer

Most states require it once you have employees, some starting with one employee. Check your state’s rules.

Question 4

What does workers’ comp cover?

Accepted Answer

Medical care, part of lost wages, rehabilitation and some lasting injury and death benefits for work-related injuries and illnesses.

Question 5

How much does workers’ comp insurance cost?

Accepted Answer

It depends on your state, payroll, job types and claims history. Higher-risk work costs more.

Question 6

Can an employee sue me if they have workers’ comp?

Accepted Answer

Generally not over the work injury itself, since workers’ comp is the exclusive remedy, with some exceptions.

Question 7

What should I do when an employee gets hurt?

Accepted Answer

Get them care, report it to your insurer quickly, complete required forms, and don’t discourage the claim.

Question 8

What happens if I don’t have required workers’ comp?

Accepted Answer

Possible fines, stop-work orders, and having to pay the injured worker’s costs yourself.

Common questions: Workers’ comp for employers