Workers’ Compensation
Workers’ compensation insurance helps protect your business and employees when a work-related injury or illness occurs.
Workers’ Compensation
Workers’ compensation insurance helps protect your business and employees when a work-related injury or illness occurs.
About Workers’ Compensation
Get a Workers’ Compensation Liability Quote
About Workers’ Compensation
Workers’ compensation insurance is a foundational part of a financially healthy and compliant business. It provides essential protection for both employers and employees by addressing costs that arise from work-related injuries or illnesses.
At Archer Insurance Agency, we help businesses secure workers’ compensation coverage that aligns with state requirements while also fitting their specific operations, workforce, and risk exposure.
What Does Workers’ Compensation Insurance Cover?
Workers’ compensation insurance may help cover:
Medical expenses related to work-related injuries or illnesses
Lost wages and disability benefits
Rehabilitation costs
Legal expenses associated with covered claims
This coverage helps protect your business from unexpected financial losses while ensuring employees receive appropriate care and support.
Do I Need a Workers’ Compensation Insurance Policy?
In most states, including Tennessee, workers’ compensation insurance is legally required for businesses with employees. Even when not strictly mandated, it is considered an essential component of a comprehensive business insurance plan.
Workers’ compensation insurance provides benefits to employees who suffer a work-related injury or illness and helps employers manage the financial impact of these claims.
What Is Not Covered by Workers’ Compensation Insurance?
Workers’ compensation policies typically do not cover:
Injuries resulting from drug or alcohol use
Injuries caused by violations of company policy
Wages for replacement workers
OSHA fines or penalties
Injuries suffered by independent contractors
Coverage details can vary by policy and state, making it important to review your specific needs with an experienced insurance agent.
Get a Workers’ Compensation Quote
Talk with a local agent to find the right coverage for your business.