Workers Compensation: Protection for Employees While On The Job

Workers’ Compensation Insurance in Indiana

Workers’ compensation pays for medical care and lost wages when an employee is hurt or becomes ill because of their job. Indiana requires most employers with employees to carry workers’ comp, and it also helps protect your business from lawsuits over workplace injuries. We help businesses of all sizes in Lafayette, West Lafayette and across Indiana find the right workers’ comp coverage at a competitive price.

What workers’ compensation covers

• Medical expenses – doctor visits, hospital stays, surgery, therapy and prescriptions for work-related injuries
• Lost wages – a portion of an employee’s pay while they recover
• Rehabilitation – help getting employees back to work
• Death benefits – support for families if a workplace accident is fatal
• Employer’s liability – legal defense and damages if an employee sues your business over a workplace injury

Keeping workers’ comp costs under control

Workers’ comp premiums are based mainly on your payroll, the type of work your employees do and your claim history. Correct job classifications, accurate payroll estimates and a strong safety program can make a real difference. Some companies also offer pay-as-you-go billing, which ties your premium payments to actual payroll and can make year-end audits easier. We’ll review your classifications and help you avoid surprises at audit time.

Workers’ comp for contractors

General contractors often need proof that their subcontractors carry workers’ comp. Without it, the general contractor’s own policy may be charged for those workers at audit. We can help you collect certificates and set up coverage the right way. Learn more on our contractor insurance page.

Workers’ compensation FAQs

Do I need workers’ comp if I only have part-time employees?

Part-time employees are generally treated like full-time employees for workers’ comp. Call us and we’ll walk through your situation.

Are business owners covered?

Depending on how your business is set up, owners and officers can often choose to include or exclude themselves. We’ll explain your options.

What else does my business need?

Most businesses pair workers’ comp with general liability, commercial auto and commercial property coverage, or a business owners policy. Call or text 765-474-2300 for a quote.