Workers' Compensation Insurance
Errors and accidents happen. Simpay’s workers’ compensation insurance helps protect your business and your employees when they do.
Workers' Compensation Insurance for Businesses
Nearly every state and the District of Columbia requires businesses to carry workers’ comp insurance coverage. Simpay makes it simple and transparent.
Our policies help protect both your company and your team from the legal and financial risks that come with workplace injuries or job-related illnesses.
With workers’ comp insurance for small businesses, you get:
- Medical care and treatment coverage
- Short- and long-term disability benefits
- Rehabilitation services
- Survivor benefits in the event of fatal accidents
We make sure your insurance coverage meets state regulations while keeping your team covered and your business compliant.
What Does Workers' Comp Insurance Cover?
- Medical bills
- Disability payments
- Rehabilitation and recovery costs
- Partial missed wages
- Funeral costs and survivor benefits
Workers’ compensation insurance coverage does exclude certain injuries and events:
- Injury or death originating outside the workplace
- Self-inflicted actions resulting in injury or death
- Injuries or death resulting from altercations started by the employee
- Injuries or death relating to the commission of a felony
- Claims originating after an employee is terminated or laid off
- Injuries or death caused while the employee was under the influence of drugs or alcohol
Why Choose Simpay for Workers’ Compensation Insurance?
When it comes to protecting your business and your employees, choosing the right partner matters. Simpay offers reliable, easy-to-manage workers’ compensation insurance services that are built for small and midsize businesses across the country.
What Sets Simpay Apart:
- Industry-specific solutions tailored for restaurants, retail, healthcare, auto shops, and more
- Licensed in all 50 states, with guidance on local compliance and coverage requirements
- Dedicated insurance advisors who help you choose the right policy and manage renewals
- Transparent pricing with no hidden fees or complicated terms
- End-to-end support, from quote to claim, with U.S.-based service
Solutions for Any Industry
Whether you’re saving lives in the healthcare industry or feeding your community at your locally owned restaurant, we offer comprehensive insurance solutions for any business.
FAQs About Our Workers' Compensation Insurance
What is workers’ compensation insurance?
Workers’ compensation insurance is a type of coverage that provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, helping both employers and employees.
How does workers’ compensation insurance work?
When an employee is injured on the job, they file a claim through their employer’s workers’ comp insurance. The insurance then covers approved medical bills and a portion of lost wages during recovery.
Who needs workers’ compensation insurance?
Most businesses with employees are legally required to carry workers’ compensation insurance. It helps businesses meet state regulations and protects against costly legal or medical expenses tied to workplace incidents.
Does workers’ compensation insurance cover remote employees?
Yes, in many cases it does. If a remote worker is injured while performing job duties, they may be covered under your policy. Coverage requirements vary by state, so our team can help you verify.
Can workers’ compensation insurance help reduce business liability?
Yes. By covering medical and wage-related costs, workers’ comp helps reduce the risk of lawsuits and protects your business from large out-of-pocket expenses.
How do I get started with workers’ compensation insurance through Simpay?
Getting started is simple. Just contact our team, and we’ll help you choose the right coverage for your business, industry, and state requirements, all backed by licensed agents and transparent pricing.
All insurance products offered and sold only through Simpay Insurance Solutions, LLC, its licensed agents or its licensed insurance partners. Licensed in all 50 states. Certain services may not be available in all states. While premium deposits may be eliminated by most carriers, mandatory state assessment fees may be required by some states. Certain services are provided through the carrier partners and an additional carrier fee may apply. Operating in NY as Simpay Insurance Agency.
