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Workers' Compensation Insurance (Click to enlarge image) Every business has an obligation to provide its employees a safe and healthy work environment. Still, accidents and illnesses can happen at work. If they do, workers’ compensation insurance aids your small business in two ways: It protects the people who work for you, and it protects your organization from the high costs that may come if an employee suffers a work-related injury or illness. Considering that the average workers’ compensation claim costs more than $42,000, it’s unlikely your company could easily cover these expenses without this insurance. Few small to medium-sized businesses could.

In every state, all but the smallest companies are required to carry workers’ compensation insurance. Companies that don’t comply are at risk for fines and penalties – and maybe even for covering the costs associated with the injury.

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