Workers' compensation basics

Required in most states once U have employees, workers' comp covers a specific and important risk.

By the InsuranU team Updated July 20263 min read

Workers' compensation is one of the few business coverages that is legally required in nearly every state with employees.

What it covers

Most states require it once U have even one employee, though rules vary by state and industry.

It protects both your employees and your business from a costly lawsuit after a workplace injury.

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More from the business insurance checklist.

Legal and contractual requirements to know.

The exposures most businesses actually face.

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Do sole proprietors with no employees need it?

Often not required, but rules vary by state, so check yours.

Does workers' comp cover remote employees?

Generally yes, for injuries that occur while performing work duties, though details vary.

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