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What is Workers Compensation Insurance?

Workers’ compensation insurance is a type of business insurance that provides benefits to employees who suffer work-related injuries or illnesses. Specifically, this insurance helps pay for medical care, wages from lost work time, and more.

Who Needs Workers Compensation Coverage?

Most states require business owners with employees to carry workers’ compensation insurance. Aside from keeping your business compliant with state regulations, workers’ comp protects your business and your people. Carrying this coverage is essential for all companies, regardless of your industry, as all employees face common risks. 

Even if you offer your employees health insurance coverage, it may not cover a work-related injury or illness. To cover these claims and help protect your injured workers, you’ll need to have workers’ compensation insurance. If you’re not carrying workers’ compensation coverage when it’s required, you may be responsible for covering your injured employee’s medical bills and your business may also face fines.

What Does Workers Compensation Cover?

Workers compensation insurance covers the following for your employees:

Medical Treatment

If your employee gets an injury or illness caused by their work, they can file a claim to help pay for their medical treatment. This can include:

 – Doctor’s appointments

 – Hospital and emergency room visits

 – Medications

 – Therapy and rehabilitation

 – Recovery equipment

If a work-related injury or illness causes another medical issue for your employee, workers’ comp can help them.


A work-related injury or illness may leave your employee disabled. If your employee has to take time away from work to recover, workers’ compensation can help them recover some of their lost income until they return to work. If they have a permanent disability, workers’ comp can give them disability benefits for life. 


Workers’ comp can help cover your employee’s ongoing care, including physical therapy or vocational rehabilitation to help them learn new skills so that they can return to work in a different role. Workers’ comp can even help cover any new training and certifications.

Death and Funeral Services

In the unfortunate event an employee loses their life due to a work-related injury or illness, workers’ comp can provide benefits to their family and beneficiaries. These benefits can help them cover funeral expenses and lost income.

CTG Insurance: Personalized Insurance Solutions

Your people are the backbone of your organization, and it’s important to protect them. We can help you find the right insurance coverage for your business. With 40+ years of proven experience, CTG Insurance delivers personalized insurance solutions tailored to your unique needs, risks, and budget. Speak to one of our experienced advisors for a custom quote.

Have questions? We’re here to help.

Send me an email to [email protected] or call/text our office at (810) 695-0096.

About the Author: Anton Thornquist
Anton Thornquist is the owner of CTG Insurance. Anton purchased CTG from his grandfather Ralph, and expanded the company to begin covering nonprofit organizations of all sizes and causes, as well as human services organizations. Anton saw how these sectors were underserved much like churches were back when the company was founded, so now CTG seeks to help even more kinds of organizations with their important work.

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