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A 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.
To help you comply 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.
Did you know the average workers' compensation medical claim in 2016 was approximately $29,100?* Many workers' compensation losses can be prevented. Check out these free resources to help you identify and mitigate some common causes of business and workers' compensation losses.
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 final 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.
* NCCI Financial Call data, 2017
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.
State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.