Workers’ Comp Insurance
Protection for Your Team
Support For Your Business
Help provide care for injured employees, meet workplace requirements, and protect your business from the financial impact of covered work-related injuries and illnesses.
Protect Your Team.
Protect Your Business.
Workplace injuries can happen in almost any industry, from offices and retail spaces to warehouses, construction sites, and service businesses. When an employee is hurt or becomes ill because of their work, the costs can add up quickly.
Workers’ Compensation Insurance can help pay for qualifying medical treatment, rehabilitation, lost wages, and other benefits while also helping protect your business from certain lawsuits related to covered workplace injuries or illnesses.
What Can Workers’ Comp Insurance Cover?
Important Benefits for Injured Employees
Medical Expenses
May help pay for doctor visits, hospital care, surgery, prescriptions, and other necessary medical treatment related to a covered workplace injury or illness.
Lost Wages
May provide a portion of an employee’s lost income while they are unable to work because of a qualifying injury or illness.
Rehabilitation
May help cover physical therapy, occupational therapy, and other services designed to help injured employees recover and return to work.
Disability Benefits
May provide qualifying benefits for temporary or permanent disabilities resulting from a covered work-related injury or illness.
Coverage and benefits vary by state, insurer, and policy.
Who May Need It?
Important Protection for Many Businesses
Businesses with employees may be required to carry Workers’ Compensation Insurance depending on state law, business structure, industry, and number of employees. Even when coverage is not legally required, it can provide important protection for both your workforce and your business.
Construction
Landscaping
Manufacturing
Hospitality
Retail & wholesale
Transportation
Healthcare
Professional services
Warehousing
And more
Requirements vary by state, business type, and number of employees.
Coverage That Fits Your Business
Solutions Built Around Your Workforce
Your workers’ compensation needs can depend on the type of work your employees perform, the number of people on your payroll, your industry, workplace hazards, claims history, and where your business operates.
Benchmark Insurance can help you review your workforce and potential exposures, compare available coverage options, understand applicable requirements, and choose protection that supports your employees while helping your business manage the financial impact of workplace injuries.
Why Choose Benchmark Insurance?
Local Guidance. Business-Focused Protection.
Personalized Guidance
We take time to understand your business and the risks that come with running it.
Multiple Coverage Options
We can help compare available policies and coverage choices from insurance carriers.
Local Service
Get straightforward assistance from an agency that understands the communities we serve.
Ongoing Support
As your business changes, we can help review your coverage and identify potential gaps.
Frequently Asked Questions
What is Workers’ Compensation Insurance?
Workers’ Compensation Insurance helps provide benefits to employees who experience qualifying work-related injuries or illnesses and may also help protect employers from certain related lawsuits.
Is Workers’ Comp required by law?
Requirements vary by state and may depend on factors such as your business structure, industry, and number of employees.
Who is covered under my policy?
Coverage generally applies to eligible employees, but specific rules and exclusions depend on state law and the policy.
How are Workers’ Comp premiums calculated?
Premiums may be based on payroll, job classifications, industry, claims history, location, and other underwriting factors.
What if an employee is injured off the job?
Workers’ Compensation generally applies to qualifying injuries or illnesses that arise out of and occur during the course of employment.
What does Workers’ Comp cover?
It may provide benefits for medical treatment, lost wages, rehabilitation, disability, and certain other costs related to covered work injuries or illnesses.
How are benefits paid?
Benefits vary by state and situation and may include direct payment of medical expenses or partial wage replacement while an employee is unable to work.
Can I get a Workers’ Comp quote online?
You can request a quote to begin the process. Additional information about your payroll, employees, operations, and claims history may be needed to determine available coverage and pricing.
Contact Benchmark
Protect Your Team.
Protect Your Business.
Get Workers’ Compensation coverage designed around your employees and the work they do.
