Workers' Compensation Insurance Helps Protect Your Business and Employees
Workers' Compensation insurance policy provides benefits to employees for injuries and illnesses arising out of and in the course of employment. The policy may provide payment for medical treatment, temporary and permanent disability and death benefits. Workers' Compensation insurance is required in almost every state. Workers' Compensation provides valuable benefits to your employees while protecting your business from legal exposure. Each state's statutes and regulations, as they apply to workers' compensation, vary significantly.
Contact your State Farm® agent to find out more about obtaining a State Farm Workers' Compensation policy.
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Claim Kit Information
To help you remain compliant with your state(s) workers' compensation laws and regulations, required posters are available to you online. It is YOUR RESPONSIBILITY TO POST this information as required by the state(s) in which you conduct business.
To get information on the workers' compensation laws in the state you operate in, obtain your Claims Kit and select the state where your business is located. The information on the right side of the page includes state required bulletins and posters that need to be printed and displayed in your place of business.
Workers' Compensation is an auditable policy. This means, that the initial premium is based on your estimated payrolls for the upcoming policy period. At the end of the policy period, an audit is performed to ensure the premium reflects the actual payroll amount. State workers' compensation laws and other governing bodies require the policy be audited to ensure employers are paying for their actual exposure. Differences between the estimated information and the actual information obtained through the audit may result in payment of an additional premium or a premium refund. In addition, the payroll on your current policy may be adjusted to reflect the updated information.
To learn more, read this document for Important Information on How Your Workers' Compensation Premium is Determined and the Audit Process [PDF-74.1KB].
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.
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