Workers' Compensation Insurance

Workers' Compensation Insurance
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What is workers' compensation insurance?

Worker's compensation insurance, also called workers' comp insurance, helps cover medical expenses and lost wages for small business owners if an employee is injured or becomes sick. This coverage can include rehabilitation services and death benefits too. Workers' compensation insurance is also called workman's compensation or workman's comp. The GEICO Insurance Agency, LLC has teamed up with companies to help your business get the coverage you need. Get your workers' compensation quote.

Workers' Compensation Insurance–Benefits For Employees

Mandatory workers' compensation insurance helps you and your employees. For employees that are injured or become ill because of work related events it can help cover:

  • Medical bills
  • A portion of lost wages
  • Funeral expenses if a work-related event results in a death

Workers' Comp-Benefits For Your Business

Accidents happen, but workers' comp helps give your business a safety net. In addition to helping cover medical bills and lost wages, the coverage may help with:

  • Vocational rehabilitation services to help get your employee back to work
  • Help with legal costs in the event of a lawsuit

Is workers' comp insurance necessary?

Most states require businesses with 1 or more employees to have workers' compensation insurance. As a business owner, you want to protect your business, yourself, and your employees from unforeseen accidents and prevent business interruption.

What's covered in a workers' comp policy?

Coverage varies by state but we've listed some examples of things usually covered. For a complete list of what's covered in your state, please see your policy contract.

What Worker's Comp Covers

In general workers' comp covers employees', owners', and officers' injuries or illness caused by their job. Examples:

  • Lost Wages
  • Medical Expenses
  • Rehabilitation Expenses
  • Death Benefits

What is not covered by a workers' compensation policy?

Some injuries usually aren't covered by a workers' comp policy. A few examples are:

  • Ones due to an employee being intoxicated or using illegal drugs
  • Injuries that occur while not on the job
  • If an employee's conduct violates company policy

Why choose GEICO to help with workers' compensation insurance?

Workers' compensation insurance is required by the state, so most policies look similar. The GEICO Insurance Agency will help you get excellent coverage for your business in most states.

How much does workers' comp cost?

We could help you save on your workers' compensation insurance by teaming with companies that will work directly with you. Start a quote and see how much you could save!

Who needs workers' comp?

Workers' comp is required by most states. In a majority of states, if you have one employee you must have this insurance in order to avoid fines. For example, in California your fine can be up to $100,000.

Need to speak with us about a workers' compensation quote?

You can reach a sales agent at (800) 841-1621

Workers' Compensation Insurance: Get the answers you're looking for.

  • How can I learn more about workers' compensation insurance?

    Managing a business is hard work. Let us help you learn more about workers' compensation insurance to determine if it is right for your business.
  • How can I manage my workers' compensation policy?

    It's easy to connect with the GEICO Insurance Agency Partners. Remember to have the name of the company with you.
  • Do you sell other business insurance products?

    Yes! Whether you're a small business just getting started or looking for better insurance rates, GEICO can help. Answer a few short questions so we can help narrow down the search with you.
  • What type of insurance do construction contractors need?

    Check out Insurance 101 for construction contractors.
  • Does workers' compensation cover employees who contract COVID-19 (the coronavirus)?

    Typically, it depends on where an employee contracted COVID-19 as workers' comp protects employees from on-the-job injuries and illnesses. If an employee contracts the coronavirus while working, most policies will provide coverage.
  • What is the cost of workers' comp based on?

    Your cost is based on several factors, including:

    • Coverage limits
    • Location
    • Number of employees
    • Payroll
    • Claims history
    • Industry and risk factors

For online quotes:

GEICO Insurance Agency, LLC has teamed up with biBERK, a Berkshire Hathaway company to provide Workers' Compensation insurance products. When you click on "START QUOTE", or "Get your workers' compensation quote" you will be taken to the biBERK, a Berkshire Hathaway company website, which is not owned or controlled by GEICO.

GEICO has no control over the privacy practices of biBERK, a Berkshire Hathaway company and assumes no responsibility in connection with your use of their website. Any information that you directly provide to biBERK, a Berkshire Hathaway company is subject to the privacy policy posted on their website. All workers' compensation products offered are written on an admitted basis (biBERK, a Berkshire Hathaway company) with A.M. Best credit rating of 'A' (Excellent) and financial size XI.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Workers' Compensation insurance coverages are written through affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC. We can help you secure Workers' Compensation insurance in all states except Hawaii, Maine, North Dakota, Ohio, Washington and Wyoming.

The information you provide will be shared with our business partners so that they can return a quote.