Help Protect Your Business and Employees with Workers Compensation Insurance

Workers compensation insurance from State Farm® provides the protection you need, because an accident can happen when you least expect it. Just one injury can cause an employee to be out of work for months, leading to serious financial hardship. Since fault does not matter when it comes to workplace injuries, you may be responsible for an employee injured on the job. Workers compensation insurance can protect your business from a lawsuit and your employees from loss of income.

Some important details of the workers compensation policy are included below. For a full explanation of coverages, please contact your State Farm agent.

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Workers Compensation Insurance Coverage

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

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: North Dakota, Ohio, Washington, and Wyoming 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.

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.

In addition to 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.