Workers’ Compensation Insurance for Small Business

Protect Employees and Stay Compliant—Without the Headaches

A single workplace injury can put your entire business at risk. Workers’ compensation insurance for small business helps cover medical costs, lost wages, and legal exposure, while keeping you compliant with state laws. At Heffernan Insurance Brokers, we make getting covered fast, simple, and affordable.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance (also called workers’ comp or workman’s comp) provides benefits when employees are injured or become ill due to their job. This includes covering medical treatment, wage replacement, and rehabilitation. For business owners, it also offers liability protection in the event of a work-related lawsuit.
Whether you run a restaurant, a retail shop, or a roofing company, small business workers’ compensation isn’t just smart—it’s often required.

Key Benefits:

• Required in nearly every state
• Covers full-time, part-time, and seasonal workers
• Helps protect your business from legal and financial risk

What Does Workers’ Comp Insurance Cover?

Small business workers’ comp insurance typically includes:

• Medical expenses related to workplace injuries or illnesses
• Lost wages during employee recovery
• Disability benefits (temporary or permanent)
• Rehabilitation services to return to work
• Death benefits for dependents in fatal incidents
• Employer liability protection in case of lawsuits

Whether it’s a slip-and-fall, a repetitive motion injury, or an equipment-related accident, workers’ comp can step in to provide essential support.

Do Small Businesses Need Workers’ Comp?

Yes—most small businesses are legally required to carry workers’ comp coverage, even if you only have one employee. In many cases, small business owners also opt to include themselves under the policy, especially in higher-risk industries.

We help you:

• Understand your state’s workers’ compensation insurance laws
• Customize coverage to meet regulatory requirements
• Avoid costly non-compliance penalties

How Much Does Workers’ Comp Insurance Cost?

The cost of workers’ compensation insurance for small business depends on:

• Industry classification and risk exposure
• Number of employees and total payroll
• Claims history
• State-specific rates and regulations

Most small businesses pay between $0.75 and $2.50 per $100 in payroll, but your rate may vary.

At Heffernan, we specialize in affordable workers’ comp insurance for small businesses—without cutting corners.

Ready for a Quote?

Use our quick quote tool or contact our team for a fast, custom workers’ compensation insurance quote tailored to your business.