You do everything you can to keep your employees safe on the job. Still, an accident can happen when you least expect it. Just one injury can sideline an employee for months, leading to serious financial hardship. And since fault does not matter when it comes to workplace injuries, you may be responsible for an employee injured on the job.

Fortunately there is a way to protect your business from a lawsuit and your employees from loss of income. A brief explanation is below, but your State Farm® agent can provide a full explanation of the importance and coverages within this product.

• Part I. Workers Compensation

  This section of a Workers Compensation policy covers bodily injury by accident that occurs on the job and by disease caused or aggravated by the conditions of employment.

  For example: A worker falls in the work place due to a spill on the floor of the workspace Some common benefits available to employees under this coverage are:

  • Medical treatment
  • Permanent and temporary disability
  • Death benefits
• Part II. Employers Liability

  Employers Liability Coverage. This section of the policy protects employers if they are found civilly liable for employee injuries that arise out of and in the course of employment. Employers' liability coverage helps protect your business against common-law claims such as:

  • Care and loss of services
  • Certain types of third party claims
  • Consequential bodily injury to a family member of the employee

State Farm does not provide workers compensation in the following states:

Monopolistic States: These states have a state-run workers compensation fund for Part I that require all businesses with employees to participate. The employers liability portion can, however, be added by endorsement. The monopolistic states are North Dakota, Ohio, Washington, and Wyoming.

States that are not monopolistic, but not available for coverage by State Farm are: Maine, Montana, Rhode Island, and West Virginia. Massachusetts can be added as an insured location on an existing multistate worker's compensation policy.

It's not just your worker's compensation needs, you may need property and liability, commercial auto, health, life, retirement plans, and professional/specialty products insurance.

This is only a general description of coverages of the available types of insurance and is not a statement of contract. Details of coverage, limits or services may not be available for all businesses and vary in some states. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.