Workers’ Compensation Insurance

Add protection for your business and help get employees back to work quickly and safely with Westfield’s workers’ compensation coverage and programs.

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Find an Agent

What Is Workers’ Compensation Insurance?

Workers’ compensation, sometimes referred to as workman’s comp or workers’ comp insurance, is a type of commercial insurance that provides employees medical, wage, and other financial benefits if they experience a work-related injury.

Many workers’ compensation insurance carriers also offer programs and services that strive to provide employers and injured employees with the best possible outcome. We use the name WesCare® to refer to our robust suite of programs and services, which are designed with one goal in mind — getting your claim successfully resolved and your employee back to work safely.

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Coverage Overview

What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance policies typically include income, medical, and death benefits.* Let’s take a look at how these benefits can help your business:

Income benefits – Covers an employee’s lost wages when they can’t work due to a work-related injury or illness.
Medical expenses – Provides coverage for all reasonable, related, and necessary medical treatment.
Funeral costs and death benefits – Pays for the cost of a burial or cremation when an employee suffers a fatal injury at work. The surviving family members may also be compensated.

Coverage at Westfield

How Workers’ Compensation Insurance Works

Watch Joe’s story to see how a Westfield policy can guide you and your employees through a workers’ compensation claim.

WHY WESTFIELD

Highlights of our Workers’ Compensation Insurance

Care

Our team takes pride in providing empathetic, efficient, and professional care from the first notice of injury and throughout the process.

Advocacy

Our programs include assigned advocates and bilingual services to assist you and your injured employee navigate the recovery process.

Stability

With a strong balance sheet and consistent AM Best “A” rating, we can keep our promise to help care for you and your injured employees.

Hear From Our Customers

I am very impressed with the professionalism of Westfield’s adjusters and nurse case managers. They are very personable.
– Westfield Workers’ Compensation Policyholder

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Available at No Cost to You

WesCare Programs and Services

24/7 Nurse Triage Program

A registered nurse immediately assesses the worker’s needs to help ensure they get the right level of care for their injury.

Return-to-Work Program

Workplace injuries happen. Our return-to-work program can assist in getting your employees back to work sooner and safer.

Pharmacy Benefit Program

A complete prescription management solution, including affordable medications and prescription drug abuse prevention.

Physician Panel & Medical Directories

Westfield offers a network of more than 750,000 doctors, located across the country, to assist injured workers in their recovery.

Claims Services

Our experienced claims team works with nurse case managers and other professional services to help give you and your employees the best possible outcomes.

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Industries That Benefit

Who Needs Workers’ Comp Insurance?

Workers’ compensation insurance is required in almost every state for businesses with employees. While almost all businesses need workers’ compensation insurance, some of the most common industries are:

Even when not required by law, a workers’ comp policy can provide businesses with important financial protections.

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Pricing Factors

How Much Is Workers’ Comp Insurance?

Workers’ comp insurance costs vary because they are calculated based on your industry, payroll, location, number of employees, risk factors, and claims history.

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Risk Control Services

Workplace Injury Prevention

With Westfield Risk Control Services, you can improve safety in the workplace and potentially stop accidents before they happen. Designed to help manage loss exposure, this program gives you access to the following services at no additional cost:

Risk insights based on our experience with your industry.
Targeted solutions to help reduce your exposure to risk.
An overview of your business losses and accidents to spot trends.
Westfield’s Online Resource Center featuring more than 2,000 documents.

EXPLORE RISK CONTROL SERVICES

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A map of the US showing where Westfield writes Workers' Compensation insurance.

Our Footprint

Where We Provide Workers’ Comp Insurance

Westfield offers workers’ compensation insurance in these 19 states:

Arizona, Colorado, Delaware, Georgia, Iowa, Illinois, Indiana, Kentucky, Maryland, Michigan, Minnesota, North Carolina, New Mexico, Pennsylvania, South Carolina, Tennessee, Virginia, Wisconsin, and West Virginia.

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FLEXIBLE WORKERS’ COMP PAYMENT OPTION

What Is Westfield Pay As You Go?

Westfield Pay As You Go makes managing workers’ compensation payments simpler by connecting your payroll directly to your premium calculations. That means your payments adjust in real time based on actual payroll — no more relying on estimates.

This option can help you avoid large upfront deposits and keep your cash flow steady. See if it’s a good fit for your business.

Learn More About Pay as You Go Billing

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CONTACT A WESTFIELD AGENT

Workers’ Comp Quotes

An independent Westfield agent is waiting to help customize the right package of protection for your business. Reach out today for a workers’ compensation quote!

FIND AN AGENT

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WORKERS’ COMPENSATION INSURANCE

Frequently Asked Questions

Is workers’ comp insurance required by law?

Most states require workers’ compensation and can penalize or fine you for not carrying a workers’ compensation policy. Laws vary by state, so talk with a Westfield agent to ensure you’re adequately covered.

Where and how do I get workers’ comp insurance?

Many business owners get their workers’ comp coverage through the carrier that provides their business insurance. If you’re looking for a new carrier or are just starting a business, contacting a local insurance agent is a good first step.

What are some examples of common workers’ comp accidents?

The types of injuries associated with workers’ compensation claims will vary by industry, but some common examples include slips, trips, and falls; muscle strains and sprains; cuts and lacerations; burns; and repetitive stress injuries like carpal tunnel.

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Learn More About Workers’ Comp Insurance

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*Please review your actual policy language to see applicable coverages, limits, and exclusions.