"A protected employee is a strong business. With Workers' Compensation insurance, you protect your team and comply with the law."

Because your business doesn't grow alone, it grows with your people.

workers Compensation

What is Workers' Compensation Insurance?

Workers' compensation insurance covers medical expenses, lost wages, and legal benefits in the event an employee suffers a work-related accident or illness.

In most U.S. states, this insurance is required by law for businesses with employees, whether full-time, part-time, or even contractors in some cases.

More than an obligation, it's a way to protect your company, your reputation, and the people who work with you.

What does Workers' Compensation insurance cover?

  • Medical expenses: Hospitalization, treatment, rehabilitation, medications, etc.

  • Lost wages: Payments to the employee during the time they are unable to work.

  • Partial or total disability: Compensation if the employee is permanently injured.

  • Work-related death: Financial support for the family in the event of death due to a work-related accident.

  • Legal costs: Legal fees if the employee files a lawsuit.

  • Vocational rehabilitation: Training to help the employee return to work.

Important: Even if the accident was caused by the worker's error, this insurance covers their benefits. It protects both parties.

Who needs Workers’ Compensation insurance?

This insurance is essential if you have:

  • Businesses with employees of any type: Full-time, part-time, temporary, or contractors (depending on the state).

  • Hazardous trades: Construction, transportation, manufacturing, cleaning, landscaping, etc.

  • Physical premises: Retail stores, restaurants, workshops, offices with staff.

  • Independent contractors: In some states, contractors are also required to have it.

  • Corporate clients: Many companies require it before hiring your services.

If you have even one employee, chances are your state law requires you to have one.

Benefits of hiring your Workers’ Compensation with Upix Agency

Legal Compliance: Avoid fines, penalties, and closures for not having the required insurance.

Lawsuit Protection: Prevent costly lawsuits due to workplace accidents.

Real Care for Your Employees: Immediate and fair medical care in the event of an accident.

Financial Loss Reduction: A single uninsured accident can cost you thousands.

Personalized Advice: We help you understand what your state requires and choose the best coverage.

Fast Issuance of a Certificate of Insurance (COI): So you can present it to your clients or contractors.

Spanish-speaking Support: We explain every detail clearly and hassle-free.

FAQs

Is this insurance mandatory?

Yes, it is mandatory in most states if you have employees. Laws vary, but almost all employers must have it.

What happens if I don't have it?

You can face heavy fines, lawsuits, business closure, and even criminal consequences in some states.

Does this insurance cover me as the owner?

By default, no. But you can add optional coverage as a homeowner or contractor.

Does it cover accidents outside the workplace?

Yes, as long as the employee is performing work-related duties at the time of the accident (for example, deliveries or installations).

Does it cover work-related illnesses?

Yes. If the illness is a direct result of work or prolonged exposure to hazardous working conditions.