Workers Compensation

Smarter Workers’ Compensation Insurance

Save on your workers’ compensation insurance with Foxquilt’s competitive pricing

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Your employees are the backbone of a successful business which is why you’ll want to fully protect each of your workers with the benefits they need if they are injured on the job. Additionally, workers’ compensation is required in most US states so you’ll want to be sure you meet your state regulations as your business grows.

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What is Workers’ Compensation Insurance for Businesses?

Workers’ compensation insurance (workman’s comp or workers’ comp) protects and supports your employees by providing benefits if they suffer a workplace injury or illness. Typically these benefits include:

  • Medical care
  • Lost wages due to time off
  • Permanent disability compensation
  • Retraining benefits
  • Death benefits

Examples of Workers’ Comp Insurance Claims

Medical Expenses

Permanent Injury

Retraining Benefits

Employee receiving treatment with a physician

Your office assistant unfortunately has been using improper typing techniques and develops carpal tunnel syndrome. Workers’ compensation insurance can help cover the costs of your employee seeking treatment with a physician and receiving a wrist splint, as well as the wages they lost while recovering.

Does Your State Require Workers' Compensation Coverage?

Laws around workers' compensation can vary from state to state.

Use the dropdown menu to check your state's regulations:



Here’s what you need to know about Alabama’s workers’ compensation law:

Alabama workers’ compensation law requires all employers that regularly employ 5 or more employees to get workers’ compensation insurance coverage. This includes part-time workers, corporate officers and members of an LLC as employees.

Employees who are not required to have workers’ comp coverage include:

  • Domestic employees working in private homes
  • Farm workers
  • Casual employees, who don’t have guaranteed work hours
  • Municipalities with less than 2,000 residents


Frequently Asked Questions

Does My State Require Workers’ Compensation Insurance?

What Can Affect the Price of Workers’ Compensation Insurance?

What Does Workers’ Compensation Cover?

Do I need Workers’ Compensation If I Am Self-Employed?

Does Workers’ Compensation Cover Subcontractors Working With Me?

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