Workers Compensation

Workers Compensation Information

Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Why Worker's Comp Insurance?

Do I need workers compensation insurance?

Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved.

Workers compensation insurance must be bought as a separate policy. Although in-home business and business owners policies (BOPs) are sold as package policies, they don't include coverage for workers' injuries.

What Do I Do if an Employee Is Injured?


  • It's your responsibility to notify us of all employee injuries as soon as the injury occurs.
  • Gather the Facts
    • Employee's name
    • Social security number
    • Description of the accident
    • Names of any witnesses
    • Description of the injury
  • Open Your Claim Kit
    • Refer to the states listed below and locate the state(s) you operate in or the state(s) in which the injury occurred.
    • Download the First Report of Injury document and follow the instructions on the form.
    • Get details about how to mail, fax, or call in the claim.
  • Report Your Claim
    • Call 800-SF-CLAIM (800-732-5246)
    • You may also mail or fax the claim using the information in the claim kit

How Are Benefit Payments Made?


  • We pay medical and disability benefits as determined by individual state laws.
  • Check with one of our agents for complete details. 



This is only a general description of coverages and is not a statement of contract. Details of coverage or limits vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.