Workers' Compensation
Workers' Compensation Insurance
Attune's Workers' Compensation (EverPeak™ built by Pinnacol) policies protect small business employees from work-related injuries including slips, falls, lacerations, and muscle strains. Policies cover all reasonable and necessary medical treatment as well as lost wages. Most states mandate businesses to provide Workers’ Compensation insurance. With Attune, it only takes a matter of seconds from quote to bind.
What does workers’ compensation cover?
A standard workers’ comp policy covers four primary areas: medical expenses, lost wages, employer liability and ongoing rehabilitation. EverPeak policies ensure your crew gets the care they need to return to work safely while protecting your business from the costs of workplace accidents.
What is workers’ compensation?
Workers’ compensation is state-mandated insurance that provides medical benefits and wage replacement to employees injured on the job. It functions as a no-fault system that protects both the worker and employer. EverPeak provides A-rated, flexible coverage designed to handle the toughest risks so you can focus on your business.
How much does workers’ compensation cost?
Workers’ compensation insurance costs are primarily determined by your total payroll, your industry’s risk classification and your company’s claims history. Workers’ compensation costs start as low as $18 a month with EverPeak.
- Payroll
- Number of employees
- Industry
- Experience Modification (E-mod)
- State regulations
Read the full guide: How much does workers’ compensation cost?
Coverage by state
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Frequently Asked Questions
Find answers to commonly asked questions about
Workers' Compensation
Employees can verify online if their employer has coverage through the state’s online search tool.
Enforcing safety protocols, providing proper employee training, maintaining a clean and hazard-free work environment, and regularly reviewing safety practices can significantly reduce workplace injuries.
Your premium is primarily determined by your industry payroll classifications, geographic location and total annual payroll. Your business’s safety history can also play a major role in determining your final rate. Three key factors influence your base insurance rate:
- Industry classification codes: Higher-hazard trades naturally carry higher baseline rates.
- Geographic location: Rates and statutory benefit structures fluctuate heavily by state lines.
- Historical safety record: Maintaining an accident-free workplace lowers your Experience Modification Rate (E-mod), resulting in built-in premium discounts.
Most states require businesses with employees to carry workers’ compensation insurance to stay compliant. Requirements vary by location, but having coverage ensures your business is protected and your team has access to benefits if an injury occurs.
Ideally, the incident should be reported immediately or within a few days of the occurrence. Prompt reporting helps ensures the necessary steps are taken to initiate the workers' compensation claims process.
Ready to get protected?
Get a quote for the coverage you need today.