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If you want to be prepared for a claim, you need to know what to expect. Here’s a rundown on the basics of workers’ comp.

Workers’ compensation insurance covers an employee’s medical care costs and wage replacement for work-related injuries and illnesses. Nearly every state requires businesses with employees to have workers’ comp coverage.

Most policies include employer's liability insurance, which shields employers from lawsuits once an employee has accepted workers' comp benefits.

If your company has at least one employee, you need workers’ comp insurance. In fact, many state laws require businesses to purchase this coverage as soon as they hire their first employee.

There are a few exceptions, though. Texas and South Dakota are the only states where workers’ compensation insurance is optional for employers. Other state workers' compensation laws don’t require the coverage until a company hires its second, third, or fourth employee.

Even if your business is in a state that doesn’t require a workers’ comp insurance policy for just one employee, you should still strongly consider a policy as soon as you hire someone.

If that employee suffers a work-related illness or is injured on the job, you could be left paying for some hefty legal and medical bills.

Workers’ compensation insurance safeguards both your business and your employees.

Workers’ comp protects your small business when an employee becomes ill or injured on the job.

It will pay for the employee’s medical expenses and partial lost wages – expenses you’d likely have to pay out-of-pocket if you didn’t have coverage. Most policies also include a death benefit to help reduce the financial burden of funeral expenses if an employee suffers a fatal accident at work.

In most states, a workers’ compensation policy will also include employer’s liability insurance. Policies with this benefit will cover legal fees, settlements, and judgements if an employee decides to sue your company over their injuries.

If your business is in a state where workers’ comp insurance doesn’t include employer's liability coverage, like states with a workers’ compensation state fund, you may want to purchase stop gap insurance to protect you from employee lawsuits.

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