Get your EIN directly from the IRS using their online application. (Opens in new window)
What’s workers’ compensation insurance?
It’s coverage that helps protect your business and employees by paying for medical bills, lost wages and legal fees after work-related injuries and illnesses. See note 1
It’s sometimes called workers’ comp or workman’s comp insurance.
Am I required to have it?
In most states, workers’ compensation insurance is required by law for any business with employees.
Typically, coverage applies to regular W2 employees and 1099 contract workers treated as employees under Labor Department guidelines.
Rules vary by state, so you may need to contact your state’s workers’ compensation office (Opens in a new window).
Why choose the USAA Insurance Agency?
To offer you a great mix of coverage, pricing and more, we’ve entered alliances with other leading insurance providers. We meet with them monthly and train them on the service we expect them to provide.
Plus, we offer a range of small business insurance products.
How much does workers’ comp insurance cost?
Costs can vary depending on several factors.
- Location
- Payroll
- Industry
It’s best to talk to a commercial specialist who can offer more guidance based on your unique situation. For a quote, call 800-292-8135.
What do I need to get a quote?
Steps to complete What do I need to get a quote?
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Employer Identification Number, or EIN
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Estimated yearly payroll
Make sure to have this for each employee class.
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Description of duties
Explain the type of work your employees do.
Workers' compensation insurance FAQ
Generally, Coverage C or Section 3C protects you if your employee gets injured or sick in a state where you don’t have ongoing operations.
It typically does this by allowing the policy’s benefits to follow the benefits required by that state.
Some states don’t require sole proprietors or individual contractors to carry workers’ comp insurance. But they may benefit from having it.
A policy could help cover costs if they get injured or sick while working.
Workers’ compensation insurance typically covers hybrid and remote employees who get injured while completing a work-related task during work hours.
It’s best to report work-related injuries or illnesses right away. But each state may have different deadlines for reporting incidents and filing claims.
For specific information, check with your state’s workers’ compensation office.
Help protect your employees and your business.
To get a quote, call a USAA Insurance Agency commercial specialist.
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