# Workers' Compensation | Supersure

> Supersure helps businesses get workers' compensation insurance covering medical costs, lost wages, and disability benefits for work-related injuries.

Canonical: https://www.supersure.com/business-insurance-coverage/workers-compensation

From back strains to serious accidents, workers’ compensation insurance can help provide 
benefits to employees hurt on the job while helping businesses meet workers’ compensation requirements where required by law.

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Workers’ compensation insurance generally provides benefits to employees who suffer work-related injuries or illnesses. It can help cover medical treatment, rehabilitation, and a portion of lost wages, while helping to limit employer liability for covered workplace injuries. 

Requirements vary by state, and coverage typically applies regardless of fault.

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- **Medical Expenses**
- **Temporary Disability Benefits**
- **Permanent Disability Benefits**
- **Rehabilitation Services**
- **Employer’s Liability**
- **Death Benefits**

Workers’ compensation insurance is required for many businesses with employees where mandated by state law, and can be especially important for businesses involving hands-on operations, physical labor, or multiple workers.

- **Construction Businesses**
- **Manufacturing Businesses**
- **Healthcare Businesses**
- **Restaurants & Food Delivery**
- **Retail Businesses**
- **Cleaning & Maintenance**

While workers’ compensation insurance can help cover employee workplace injuries and illnesses, many businesses need additional coverage for risks like third-party bodily injury or property damage, which are not typically covered by workers’ compensation insurance.

### Business Owners Policy (BOP)

A business owners policy typically bundles general liability and commercial property coverage and can help address non-worker's-compensation risks like property damage and third-party claims

### General Liability

General liability insurance can help cover third-party bodily injury or property damage claims that workers’ compensation insurance typically does not address.

### Commercial Auto

Commercial auto insurance can help cover vehicles used for business purposes and accident-related liability and damage not typically addressed by workers’ compensation insurance.

### Commercial Property

Commercial property insurance can help cover your building, equipment, and inventory from covered losses like fire, theft, or certain weather-related events.

### Professional Liability

Professional liability insurance can help protect your business from claims alleging mistakes, negligence, or failure to deliver professional services as expected.

### Cyber Insurance

Cyber insurance can help with certain costs related to data breaches, cyberattacks, and digital security incidents that are generally not covered by workers’ compensation insurance.

Got questions? Don’t worry, you’re not alone. Here are some of the most common questions from business owners about workers compensation insurance.

### Is workers’ compensation insurance required by law?

In most states, workers’ compensation insurance is required for most businesses with employees. Requirements vary by state, and penalties for non-compliance can be significant.

### Does workers’ compensation cover injuries regardless of fault?

Generally, yes. Workers’ compensation insurance typically applies regardless of who caused the injury, as long as it occurred within the scope of employment, subject to state law.

### Are part-time employees covered?

In many states, part-time employees are treated similarly to full-time employees for workers’ compensation purposes, though specific requirements vary by jurisdiction.

### What is an experience modification rate (EMR)?

An EMR compares a business’s claims history to the claims history of similar businesses. A lower EMR can reduce premiums, while a higher EMR may increase costs.

### Does workers’ compensation protect employers from employee lawsuits?

In many cases, workers’ compensation is the exclusive remedy for workplace injuries and illnesses, which may limit employee lawsuits related to covered workplace injuries. Exceptions can vary by state and circumstances, and some claims may still arise outside of workers’ compensation.

Talk to our team today and get started with your Supersure business insurance coverage.

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