Affordable Workers' Compensation Insurance

Protecting your team

What coverages are included in Workers' Compensation?

Ensure your employees are taken care of, and your business is shielded from liability when the unexpected happens on the job.

Medical Benefits Coverage

Covers urgent and ongoing medical expenses, including doctor visits, hospital stays, surgeries, and prescriptions needed due to a work-related injury or illness.

Disability & Lost Wages

Replaces a portion of the employee’s lost wages while they recover from a work-related injury, ensuring they can maintain financial stability while unable to work.

Rehabilitation Benefits

Covers costs for physical therapy, occupational therapy, and other rehabilitative medical services to help injured employees recover their physical mobility.

Vocational Rehabilitation

If an employee cannot return to their previous job due to the severity of the injury, this covers the necessary training and education to transition them to a new career.

Employer's Liability

Protects employers against civil lawsuits filed by injured employees or their families for work-related illnesses or injuries that fall outside standard workers' comp benefits.

Death & Fatality Benefits

Provides crucial financial compensation to the surviving family members or dependents of employees who tragically lose their lives in a work-related accident, including funeral costs.

Why Orbit

Why Orbit is the best choice for Workers' Comp?

Pay-As-You-Go Options

We offer flexible "pay-as-you-go" workers' comp programs that tie your premiums directly to your actual payroll, avoiding large upfront deposits and end-of-year audit surprises.

High-Risk Placements

Whether you operate a clerical office or a high-risk construction firm, our agents know exactly how to classify your employees to ensure compliance and cost-efficiency.

State Law Compliance

Workers' compensation laws vary wildly by state. We ensure your business is fully compliant with local mandates, preventing devastating fines and legal penalties.

Fast Certificates (COIs)

We know you need proof of insurance to win contract bids and get onto job sites. We generate Certificates of Insurance rapidly so your crew can get to work.

Talk to a commercial expert today

An Orbit commercial agent is ready to help you analyze your payroll, classify your risks, and build a custom safety net for your workforce.

Speak with an Expert

The basics

What is Workers' Compensation Insurance?

Workers' compensation insurance is a mandatory commercial policy in almost every state that provides essential financial protection to both your business and your employees. When an employee suffers a work-related injury or illness, this coverage pays for their medical bills, rehabilitation costs, and a portion of their lost wages while they recover.

Beyond helping the employee, this insurance is critical for the business owner. Under the "exclusive remedy" provision in most state laws, an employee who accepts workers' compensation benefits generally gives up their right to sue the employer for negligence. The Employer's Liability portion of the policy further protects your company against lawsuits if an employee claims your negligence caused their injury.

Factors That Impact Your Rates

Employee Classification Codes: Your premium is heavily based on the type of work your employees do. Roofers carry a much higher rate per $100 of payroll than clerical workers.
Total Payroll: Because premiums are calculated as a rate per $100 of payroll, the size of your workforce directly impacts your costs.
Experience Modification Rate (EMR): If your business has a history of frequent or severe workers' comp claims, your EMR will increase, driving up your premiums. A clean safety record lowers it.
State Regulations: Rates and minimum requirements are regulated at the state level, meaning location plays a major role in pricing.

Good to know

Frequently asked questions & Requirements

Yes. In almost every state, if your business employs a certain number of W-2 employees (often as few as one), you are legally required to carry workers' compensation insurance. Failing to comply can result in severe fines, stop-work orders, and criminal liabilities.

In most scenarios, the benefits an employee receives from workers' compensation are not taxable at the state or federal level. These benefits serve to compensate for medical expenses and lost income. However, if the employee also receives Social Security Disability or Supplemental Security Income, a portion may become taxable.

It depends on the doctor's restrictions. An employee may be cleared for "light duty" or "modified duty" (e.g., working from home or doing administrative tasks) while recovering. If they perform tasks outside their medical restrictions, their benefits may be denied.

The best way to lower your premiums is to establish strict workplace safety programs. Fewer claims lead to a lower Experience Modification Rate (EMR). Additionally, accurately classifying employee job duties and utilizing a "Pay-As-You-Go" premium model can optimize cash flow.

To generate an accurate workers' comp quote, we will need:

Business Info: Legal name, EIN, and physical address(es) of operations.
Employee Data: Number of employees and highly specific descriptions of their daily job duties (for classification codes).
Payroll: Accurate estimated annual payroll, broken down by job classification.
Claims History: Details of any previous workers' compensation claims (loss runs) and your current Experience Modification Rate (EMR), if applicable.

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