Workers' Compensation Insurance

Workers' Compensation is Assurance for Employer & Employee Alike

If you're a business owner, it's essential to have the appropriate insurance protections in place if an employee is injured on the job. Trying to obtain workers' compensation coverage after the fact simply will not work. In other words, you need to be covered in advance. That's precisely what a proper workers' compensation policy does: It ensures that an injured worker's medical and financial needs are taken care of when accidents happen.

What is Workers' Comp? Who Needs It?

Workers' compensation insurance spreads and shifts the risk for on-the-job employee injuries from employers to insurance providers. Doing so protects the business from work-related claims and legal exposure. Business owners can breathe easier knowing employees will be properly cared for if an accident happens without posing a threat to the company's profitability or its solvency.

Workers' compensation provides reimbursement regardless of who's at fault for an on-the-job injury. If the injury occurs during the scope of normal job duties, workers compensation will pay applicable benefits.

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What Does Workers Compensation Cover?

Lost Time Payments
Medical care reimbursement
Rehabilitative services payments

When Should I carry Workers Compensation Insurance?

Even if you're not legally required to carry workers' compensation, Woods Insurance recommends it. If an employee sustains an on-the-job injury, responsibility for related medical payments and lost wages will ultimately fall on you, the business owner.

Contact Woods Insurance Services For a Insurance Quote

At Woods Insurance, we're dedicated to helping all our clients make informed coverage decisions. That's why we're here to answer every question regarding workers' compensation or about any of our other numerous commercial insurance products.


If you're ready to see how much you could save on workers' compensation insurance for your business, call Woods Insurance at (800) 949-3720 today. For a free online insurance quote, fill out the quote form on this page! You can also stop by our Woods Insurance NM or Woods Insurance CO regional offices to learn more.


We're licensed in 33 states, so get started today.

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