Protection for Your Employees and Your Business.
Workers' compensation insurance can help cover eligible medical expenses, lost wages, and other benefits when an employee experiences a work-related injury or illness.
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What Is Workers' Compensation Insurance?
Workers' compensation insurance is designed to help employees who experience eligible work-related injuries or illnesses. Depending on the policy and circumstances, benefits may include medical care, partial replacement of lost wages, rehabilitation, disability benefits, or death benefits.
It can also help protect an employer from certain lawsuits related to workplace injuries. Requirements vary by state, business type, and number of employees, so businesses should review the rules that apply where they operate.
Workers' compensation does not replace general liability or health insurance. It is specifically focused on eligible injuries and illnesses connected to an employee's work.
Businesses That May Need Workers' Compensation
Most businesses with employees should evaluate workers' compensation requirements and workplace risks.
Contractors
Construction, trade, and field-service businesses.
Restaurants
Kitchens, dining rooms, and food-service operations.
Retail Businesses
Stores, stockrooms, and customer-facing teams.
Healthcare Offices
Medical, dental, therapy, and care providers.
Professional Offices
Administrative and office-based employees.
Service Businesses
Cleaning, maintenance, landscaping, and more.
What Can Workers' Compensation Help Cover?
Actual benefits depend on the policy, applicable law, and the facts of the injury or illness.
Medical Care
Eligible treatment for a covered work-related injury or illness.
Lost Wages
Partial wage replacement when an employee cannot work.
Rehabilitation
Certain physical, occupational, or vocational rehabilitation.
Disability Benefits
Benefits for certain temporary or permanent disabilities.
Death Benefits
Eligible benefits for dependents after a fatal workplace incident.
Employer's Liability
Protection for certain eligible employee injury lawsuits.
What Affects the Cost?
Workers' compensation pricing is based on your payroll, employee job classifications, workplace risks, location, and claims history.
Get a Workers' Comp Quote
Tell us about your business, employees, payroll, and operations. Blue Java can help you explore available coverage options.
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Requirements vary by state, business structure, industry, and number of employees. Review the rules that apply where your business operates.
Coverage may include eligible medical expenses, partial lost wages, rehabilitation, disability benefits, death benefits, and employer's liability protection.
Owner coverage and exemption rules vary by state and business structure. An owner may be included, excluded, or permitted to elect coverage.
No. Eligibility depends on applicable law, policy terms, and the circumstances of the injury or illness. Exclusions and reporting requirements may apply.
Provide information about your business, employees, payroll, job classifications, locations, operations, prior coverage, and claims history.
Protect Your Employees and Your Business.
Request a workers' compensation insurance quote based on your payroll, operations, and coverage needs.