Does workers' comp cover business owners and partners?

In the majority of states, corporate officers, LLC members, sole proprietors and business partners can explicitly choose to 'elect in' to a policy for their own personal on-the-job protection. Including yourself ensures you have immediate access to medical benefits and structured income support if you are injured while performing business duties.

What happens after I file my claim?

Once you file your claim online, a dedicated representative will follow up with you within 24 hours to manage the process. We handle the heavy lifting, from coordinating medical care to managing the paperwork, so you can keep your business moving forward.

What is not covered by workers' compensation?

Workers' comp covers a wide range of work-related injuries. Still, it typically excludes self-inflicted injuries or injuries caused by intoxication or a fight started by the employee.

Can an employee sue for a work-related injury?

Typically, the workers' compensation system provides an exclusive remedy, meaning employees cannot file a lawsuit against their employers. Instead, they must pursue a workers' compensation claim to receive benefits for their injury or illness.

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How do I contact EverPeak?

Customer Service:
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Press Inquiries:
Liz Johnson
Director, Public Relations
Cell: 720.939.7238
liz.johnson@everpeakinsurance.com

Frequently Asked Questions

Find answers to commonly asked questions about workers’ compensation.

How do I verify an employer’s coverage?

Employees can verify online if their employer has coverage through the state’s online search tool.

How do I find the right combination of coverage for my business?

To find the right coverage for your unique risk exposures, we connect you directly with our vast broker network to match you with a local agent. Your designated agent will evaluate your daily operations, navigate your specific coverage options and deliver a customized quote tailored to your budget.

What is the difference between BOP and general liability insurance?

A Businessowners' Policy (BOP) is a bundled insurance package, whereas general liability is a standalone coverage line. While standard general liability insurance specifically shields your company from the third-party financial risks of bodily injuries and accidental property damage, BOP bundles that exact liability protection with essential commercial property and business interruption insurance under a single plan. Choosing BOP helps you efficiently repair or replace specialized gear, tools and inventory after covered losses like fires, theft or severe storms.

How much does a business insurance policy cost?

Commercial insurance rates through EverPeak start as low as $18 per month. Your exact monthly premium is calculated based on several risk factors, including your industry classification, total employee headcount, physical location of operations and your chosen coverage limits. Connecting directly with an agent allows you to obtain a customized quote tailored to your business needs.

What business insurance is legally required?

State regulatory frameworks legally mandate specific business insurance coverages depending primarily on your employee count, industry classification and physical location. For example, if you hire part-time, full-time, or seasonal employees, most states require you to maintain active workers' compensation insurance to cover on-the-job injuries. Other protections, like general liability, are routinely required by commercial landlords before executing a lease or by clients before signing work contracts.