Do I need workers compensation insurance?
Worker’s Compensation insurance is required by law in all 50 states. Worker’s Compensation insurance provides protection against employees injured on the job by covering medical costs and lost wages. Worker’s Compensation insurance also covers a business should the spouse or children of an injured employee decide to sue. There is also a third optional part of Worker’s Compensation insurance that will provide protection against claims such as sexual harassment and discrimination. Your local Brooke Insurance agent can help you determine what level of Worker’s Compensation insurance your business needs. The minimum amount of Worker’s Compensation insurance that you are required to have is determined by the state.