Medical Expenses
Core benefitHelps cover medical treatment related to a covered workplace injury or illness.
- Doctor visits, ER care, prescriptions
- Rehab/physical therapy
- Coverage subject to state rules
AllGuard Insurance Brokerage Inc
Workers’ Compensation Insurance
Help protect your team and meet state requirements with workers’ comp coverage.
Employee ProtectionHelps cover work‑related injuries
Compliance SupportGuidance for required documentation
Flexible OptionsPolicies for many industries
Independent Brokerage
Fast Quotes
Personalized Coverage
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Quick helpHave a deadline, lender request, or need a certificate? We’ll help you move fast.
Have this handy:
- Payroll estimate
- Employee count + roles
- Work locations
- Prior claims history (if any)
What is Workers’ Compensation Insurance?
Workers’ compensation insurance helps provide benefits for employees who are injured or become ill due to work, and helps employers meet legal requirements.
What does it cover?
Workers’ Compensation helps protect employees and employers if a work-related injury or illness occurs.
Lost Wages
Income supportHelps replace a portion of wages if an employee can’t work due to a covered claim.
- Temporary and permanent disability benefits
- Waiting periods may apply
- Rates set by state guidelines
Employer Liability
Added protectionHelps cover certain lawsuits by employees for workplace injuries (separate from statutory benefits).
- Legal defense and settlements (terms apply)
- Limits can be increased
- Often required for contracts
Return-to-Work Support
Helps reduce costsMany programs support safe return-to-work plans to reduce downtime and claim impact.
- Modified duty options
- Claims guidance resources
- Varies by carrier
Good to know
Requirements vary by state and payroll class codes—share your payroll and job roles so we can quote accurately.
Who needs it?
Businesses with employees
Contractors required by GCs
Companies with client contract requirements
Growing teams hiring first employees
Certain LLCs (varies by state)
Need proof of coverage?
We can help with quotes, policy questions, and certificate requests. Share your deadline and certificate holder details.
Frequently Asked Questions
Is workers’ comp required?
Requirements vary by state and business type—many employers must carry it.
What affects my premium?
Payroll, class codes, claims history, and safety programs.
Do I need it for 1099 contractors?
Rules vary; misclassification can be costly—ask us.
How quickly can a policy start?
Often quickly after underwriting approval.
Can you provide certificates?
Yes—share certificate holder details and deadlines.
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Ready to protect what matters?
Request a free quote or speak with an agent.