Workers' Comp | Smart, Fast, Friendly Digital Insurance Expert

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Shield your company from employee lawsuits. Protect the people who are making it great.

If you have employees, almost all states require you to carry worker's compensation insurance. And so do many contracts you'll sign with partners and vendors.

Covers accidents, injuries and illnesses on the job
Provides lost wages and medical benefits
Shields you from employee lawsuits

Mylo compares quotes from top-rated business insurance companies to find you the right workers' comp policy at the best value.

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How do you benefit?

Despite your best intentions, workplace accidents happen. In most cases, workers’ comp insurance makes accidents, repetitive injuries and occupational illnesses "No Fault":

Employees aren't at fault except under certain conditions (like drug or alcohol impairment, self-inflicted injury or violation of company policy)
Business owners aren't at fault except under very rare circumstances (and these are usually covered by employers' liability, often included in your policy).

Workers comp is usually the exclusive remedy that pays for medical treatments, lost wages, training for a new job (if your employee can't return to this one) and more. Otherwise your business might be on the hook for these expenses.

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Your state makes a difference

Currently, all states except for Texas require workers' comp if you have employees (and Texas has a couple of exceptions), but requirements for your number of employees and employment statuses (full-time, part-time, seasonal etc.) vary per state. A Mylo agent can walk you through the latest requirements.

IMPORTANT: Four states currently require you to purchase workers' comp from a government office instead of a private insurance company:

Ohio
North Dakota
Washington
Wyoming

A Mylo agent can point you in the right direction!

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Workers' compensation FAQs

“Safety First” is your middle name (okay, two of them). But you'll still want workers' comp.

What does workers' compensation cover?

Workers' comp covers your employees' workplace accidents, repetitive injuries and occupational illnesses – and helps you pay for medical treatments, lost wages and other benefits. You can avoid most employee lawsuits, because these situations are largely considered "No Fault" – worker's comp is the sole remedy and your company is not on the hook.

Does having workers' comp mean I'll never be sued for a workplace injury?

Unfortunately, there are a few situations where you can be sued. The good news: these are rare – and you can head them off with employers' liability coverage (often included in a workers' comp policy).

How is my premium determined?

When you shop for workers' comp:

A classification is assigned to your business based on its activities
A rate is assigned to this based on your level of risk to employees
Your premium is determined by a formula that includes your rate, total payroll costs and previous workers' comp claims history (so the better your safety record, the less you'll pay).

Comparing insurance carriers helps. They all classify your business and use the same formula for calculating premium, but some assign a lower rate to your classification and charge lower fees for their services.

Do I have to carry workers' comp?

If you have employees, most states require you to carry it. Some only make it mandatory once you reach a certain number of employees (usually in the 3-4 range). Landlords, vendors and other partners may require it before they’ll enter into a contract with you.

Can I always get workers' comp from an insurance company?

No. In Ohio, North Dakota, Washington and Wyoming, you're required to purchase it from a government office instead of a private insurance company. A Mylo agent can give you more details.

How will Mylo find me the right policy?

Mylo is a small business insurance expert who has been innovating insurance since 2015. We can quickly:

Recommend coverage customized to your business
Compare best quotes for workers' comp from top-rated business insurance companies
Find you the best combination of coverage and price.

If you live in one of the handful of states that requires purchasing worker's comp from a government office instead of a private insurance company, a Mylo agent can point you in the right direction.