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Workers’ compensation insurance

Injuries and illnesses can happen in any line of work. Make sure your business is protected. To get a quote, call 800-292-8135.

What’s workers’ compensation insurance?

It’s coverage that helps protect your business and employees by paying for medical bills, lost wages and legal fees after work-related injuries and illnesses.‍ ‍ See note 1

It’s sometimes called workers’ comp or workman’s comp insurance.

Am I required to have it?

In most states, workers’ compensation insurance is required by law for any business with employees.

Typically, coverage applies to regular W2 employees and 1099 contract workers treated as employees under Labor Department guidelines.

Rules vary by state, so you may need to contact your state’s workers’ compensation office (Opens in a new window).

What does workers’ comp cover?

Incidents can include falling off a ladder, getting hurt using machinery or developing an illness from the job. And coverage can vary by state.‍ ‍ See note 2

Medical Bills

If an employee gets hurt or sick from the job, it pays for medical bills related to the incident, minus the deductible.

Lost Wages

If a work-related injury or illness keeps an employee from working, it helps pay a portion of their lost wages.

Disability Benefits

If a work-related injury or illness keeps an employee from work for a longer time, it helps pay for ongoing care.

Legal Expenses

If an employee sues your company after a work-related injury or illness, it can help pay for your company’s legal expenses.

Why choose the USAA Insurance Agency?

To offer you a great mix of coverage, pricing and more, we’ve entered alliances with other leading insurance providers. We meet with them monthly and train them on the service we expect them to provide.

Plus, we offer a range of small business insurance products.

How much does workers’ comp insurance cost?

Costs can vary depending on several factors.

  • Location
  • Payroll
  • Industry

It’s best to talk to a commercial specialist who can offer more guidance based on your unique situation. For a quote, call 800-292-8135.

What do I need to get a quote?

Steps to complete What do I need to get a quote?

  1. Employer Identification Number, or EIN

    Get your EIN directly from the IRS using their online application. (Opens in new window)

  2. Estimated yearly payroll

    Make sure to have this for each employee class.

  3. Description of duties

    Explain the type of work your employees do.

Need more coverage for your business?

Explore other products we offer.

Business Owners Policy, or BOP

This policy combines general liability, property, and business income coverage. Workers’ comp insurance is separate.

Learn about BOP

General Liability

Get coverage for common business risks like bodily injury, property damage and advertising injury.

Learn about general liability

Commercial Auto

This coverage helps protect the vehicles you use for your business.

Learn about commercial auto

Workers' compensation insurance FAQ

Generally, Coverage C or Section 3C protects you if your employee gets injured or sick in a state where you don’t have ongoing operations.

It typically does this by allowing the policy’s benefits to follow the benefits required by that state.

Some states don’t require sole proprietors or individual contractors to carry workers’ comp insurance. But they may benefit from having it.

A policy could help cover costs if they get injured or sick while working.

Workers’ compensation insurance typically covers hybrid and remote employees who get injured while completing a work-related task during work hours.

It’s best to report work-related injuries or illnesses right away. But each state may have different deadlines for reporting incidents and filing claims.

For specific information, check with your state’s workers’ compensation office.

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Help protect your employees and your business.

To get a quote, call a USAA Insurance Agency commercial specialist.

Call 

Call 

800-292-8135

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  2. The coverage examples or scenarios included above are intended to show the types of situations that may result in claims. They shouldn’t be compared to an actual claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms, and conditions of the policy as issued and applicable law.

Related footnotes:

  1. USAA Insurance Agency means USAA Insurance Agency, Incorporated or USAA of Texas Insurance Agency (collectively the “Agency”). California License #0D78305, Texas License #7096. 9800 Fredericksburg Road, San Antonio, Texas 78288. The Agency contracts with insurance carriers that are not affiliated with USAA and offers products and services (“third-party insurance products”) on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. Purchase of third-party insurance products does not establish USAA membership. Product and coverage descriptions are brief. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Product and coverage availability may vary in some locations and all applications for insurance are subject to underwriting by the insurance carrier.

  2. Small Business Insurance is underwritten by Garrison Property & Casualty Insurance Company, San Antonio, Texas ("Garrison"), or is underwritten by insurance companies that are not affiliated with United Services Automobile Association (USAA) ("third-party insurance companies"). Each company is solely responsible for its insurance products. Any product or coverage descriptions are brief and are informational only. Products, availability, coverages, and terms vary by state and exclusions apply. Applications for insurance are subject to underwriting by the applicable insurance company. All coverages are subject to the terms and conditions of your policy. Read your policy for details. Products underwritten by third-party insurance companies are offered through a relationship between the USAA Insurance Agency (the "Agency") and the third-party insurance company. The Agency contracts with third-party insurance companies to offer products and services ("third-party insurance products") on their behalf. Third-party insurance products are not underwritten by USAA or its affiliates. The Agency receives a commission on the sale or renewal of third-party insurance products and may receive other performance-based compensation from them. When you purchase an insurance product from one of these third-party insurance companies, that company is responsible for protecting your data, and its processes and procedures may differ from those of USAA. USAA Insurance Agency means USAA Insurance Agency, Inc., or USAA of Texas Insurance Agency (collectively the "Agency"). California License #0D78305, Texas License #7096, 9800 Fredericksburg Road, San Antonio, Texas 78288.

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