--- title: Worker's Compensation | Employee Accident | Concklin Insurance description: Protect your employees and business with workers' compensation insurance that covers medical expenses, lost wages, and more. Get a quote today. image: https://insurance.concklin.com/hubfs/portrait-of-female-worker-inside-busy-warehouse-ch-2022-03-17-15-07-10-utc-1.jpeg --- [Skip to content](https://insurance.concklin.com/workers-compensation-insurance#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://insurance.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- # Workers' Compensation Insurance ## Coverage that helps protect your employees and your business Workers' compensation insurance helps cover medical expenses, lost wages, rehabilitation costs, disability benefits, and other covered expenses when an employee suffers a work-related injury or illness. Get a Quote [Contact our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) --- ## What Workers' Compensation Insurance Covers Workers' compensation insurance is designed to help employees who are injured or become ill because of their work. Coverage details vary by state and policy, but workers' compensation commonly includes: **Medical Expenses** Coverage can help pay for covered medical care related to a workplace injury or illness. This may include doctor visits, emergency care, hospital treatment, surgery, and follow-up care. **Lost Wages**  If an employee cannot work because of a covered work-related injury or illness, workers’ compensation may provide partial wage replacement while the employee recovers.  **Rehabilitation Costs** Coverage may help pay for physical therapy, occupational therapy, and other rehabilitation services needed to help an injured employee recover and return to work.  **Disability Benefits** Workers' compensation may provide benefits when an employee suffers a temporary or permanent disability because of a work-related injury or illness.    **Death Benefits** If a work-related injury or illness results in death, workers' compensation may provide benefits to eligible dependents or survivors.     Workers' compensation is generally a no-fault system. In many cases, an employee's right to benefits does not depend on who caused the injury. Employees are still expected to report injuries promptly, cooperate with the claim process, and follow medical and employer procedures. ## Who Needs Workers' Compensation Insurance? Most businesses need workers' compensation insurance once they have employees. Requirements vary by state, industry, business structure, employee count, and the type of work being performed. Businesses with employees in more than one state should review coverage carefully because workers' compensation rules may apply differently from state to state. Workers' compensation may apply to: - Full-time employees - Part-time employees - Seasonal employees - Temporary employees - Family members working in the business - Employees working in multiple states - Remote employees, when an injury arises out of and in the course of employment Workers' compensation may apply to employees whether they work full time, part time, seasonally, temporarily, remotely, or across state lines. Business owners, partners, corporate officers, and LLC members may be treated differently depending on the state and policy. In some cases, they may be included automatically. In others, they may be able to elect coverage or opt out. Even when coverage is not legally required, workers' compensation may still be important. A serious injury can create medical costs, wage loss, legal questions, and disruption for the business. ![Man with a cast on his leg and crutches](https://insurance.concklin.com/hs-fs/hubfs/Man%20with%20a%20cast%20on%20his%20leg%20and%20crutches.jpeg?width=679&height=1000&name=Man%20with%20a%20cast%20on%20his%20leg%20and%20crutches.jpeg "Man with a cast on his leg and crutches") ## Help Injured Employees Return to Work Safely A structured return-to-work program can help an injured employee resume appropriate duties while following their medical restrictions. Learn how modified responsibilities, clear communication, and advance planning can support the employee's recovery, reduce lost work time, and help the business manage workers' compensation claims. [Read: Creating a Successful Return-to-Work Program](https://blog.concklin.com/blog/creating-a-successful-return-to-work-program.html) ### Request More Information ## What Affects Workers' Compensation Cost? Workers' compensation premiums are [based on several factors.](https://blog.concklin.com/understanding-workers-compensation-premium-calculation-audits-and-post-audit-actions) Understanding these factors can help employers make better decisions and avoid surprises during audits or renewals. **Payroll** Payroll is one of the main factors in workers' compensation pricing. Higher payroll usually means higher premium because more wages are being insured.       **Classification Codes** Classification codes describe the type of work employees perform. A clerical employee, restaurant worker, contractor, warehouse employee, and driver may all have different classification exposures. Incorrect classifications can lead to pricing problems, audit adjustments, disputes, or unexpected premium changes.   **Industry and Job Duties** Higher-risk work usually costs more to insure. A business with employees working on ladders, operating machinery, driving vehicles, lifting heavy materials, or working around hazards will generally have different rates than a lower-risk office operation.   **Claims History** Past claims can affect future pricing. Claim frequency, claim severity, open claims, and claim handling can all influence how a business is viewed by insurance carriers.     **Experience Modification Factor** An experience modification factor, often called an experience mod or e-mod, compares a business's workers' compensation claim history to similar businesses. A better-than-average claim history may help reduce premium, while worse-than-average claim results may increase costs. **State Requirements** Workers' compensation rules vary by state. Businesses with employees in more than one state need to review where employees work, where payroll is reported, and which state rules apply.     ## Ways to help control workers' compensation costs Not every workers' compensation cost is within an employer's control, but many important factors can be managed over time. Employers can help improve workers' compensation performance by focusing on: **Workplace Safety** Safety training, hazard identification, proper equipment, written procedures, and regular inspections can reduce the frequency and severity of employee injuries.   [Prevent Injuries and Illness](https://blog.concklin.com/blog/implementing-an-effective-injury-and-illness-prevention-program.html) **Accurate Payroll Reporting** Workers' compensation premiums are often based on estimated payroll at the beginning of the policy term and adjusted after audit. Accurate reporting helps reduce large audit surprises.   [Who is an Employee?](https://blog.concklin.com/blog/independent-contractor-or-employee-what-s-the-difference.html) **Correct Classification Codes** Employees should be classified based on the work they actually perform. Misclassification can create pricing problems and may lead to corrections during an audit.   [Understand Classification Codes](https://blog.concklin.com/understanding-workers-comp-classification-codes-why-accuracy-matters) **Prompt Claim Reporting** Workplace injuries should be reported quickly. Delays can make claims harder to manage, create confusion, and increase the risk of disputes.   [What Happens When You File a Claim](https://blog.concklin.com/what-happens-when-you-file-a-workers-compensation-claim) **Return-to-Work Programs** A return-to-work program can help injured employees come back safely when medically appropriate. Modified duty, transitional tasks, and clear communication can reduce lost time and help control claim costs.   [Implement Return to Work Program](https://blog.concklin.com/video-library/creating-a-return-to-work-program) **Claims Review** Reviewing open claims, claim trends, and loss history can help employers identify patterns. Repeated injuries, department-specific losses, or recurring hazards may point to safety issues that need attention.   [Understand your Experience Modifier](https://blog.concklin.com/blog/what-is-an-experience-modifier-and-how-does-knowing-your-rating-help.html) ## Pay-as-You-Go Workers' Compensation Pay-as-you-go workers' compensation lets businesses pay premiums over time based on payroll reporting instead of relying only on an upfront annual estimate. This can improve cash flow, reduce large audit swings, and better match premium to payroll changes during the policy period. [Learn more](https://blog.concklin.com/blog/what-is-pay-as-you-go-workers-compensation.html) ## Frequently Asked Questions --- ### What does workers' compensation insurance cover? Workers' compensation covers medical expenses, lost wages, rehabilitation costs, and disability or death benefits for employees who are injured or become ill because of their work. ### Is workers' compensation insurance required for my business? In most states, yes. Once a business has employees, workers' compensation is usually required. The exact rules vary by state and may depend on the type of business, the industry, employee count, ownership structure, and where employees work. If your business has employees in multiple states, your policy should be reviewed to make sure the correct states are addressed. ### How much does workers' compensation insurance cost? The cost depends on your industry, payroll, claims history, classification codes, and the type of work your employees perform. Higher risk industries pay more. Better safety performance and lower claims can improve pricing over time. See also: [How workers’ compensation premiums are calculated](https://blog.concklin.com/understanding-workers-compensation-premium-calculation-audits-and-post-audit-actions) ### What happens if I do not have workers' compensation insurance? If your business is required to carry workers' compensation and you do not, you can face fines, penalties, legal claims, and out-of-pocket costs for an employee's work-related injury or illness. In Illinois, for example, knowingly and willfully failing to obtain required coverage can result in fines of up to $500 per day, with a minimum fine of $10,000. ### What is not covered by workers' compensation insurance? Workers' compensation does not cover injuries that happen outside of work, intentionally self-inflicted injuries, or injuries that do not arise out of and in the course of employment. It is designed for work-related injuries and occupational illnesses. ### How are workers' compensation rates determined? Rates are based on your business classification codes, total payroll, and experience modification factor, which reflects claims history. Safer businesses with fewer claims usually see better results over time. See also: [Why classification accuracy matters](https://blog.concklin.com/understanding-workers-comp-classification-codes-why-accuracy-matters) ### Can business owners, partners, or LLC members be covered? Yes. Business owners, partners, corporate officers, and LLC members may be able to elect coverage or opt out, depending on the state, business structure, ownership role, and policy. This is especially important when an owner is active in day-to-day operations and exposed to the same risks as employees. See also: [Opting Out of Workers’ Compensation as an LLC Franchise Owner](https://blog.concklin.com/opting-out-of-workers-comp-as-a-franchise-owner-what-you-need-to-know) ### How can I lower my workers' compensation insurance costs? You can lower costs by improving workplace safety, training employees, using return to work programs, managing claims early, and making sure payroll and classifications are reported correctly. Fewer and less severe claims improve results over time. See also: [Creating a Successful Return-to Work-Program: Benefits for Employers and Injured Employees](https://blog.concklin.com/blog/creating-a-successful-return-to-work-program.html) ### Does workers' compensation cover contractors or subcontractors? Not automatically. Independent contractors and subcontractors are not always treated the same as employees. Whether they need to be covered, excluded, or verified with their own coverage depends on state rules, the type of work, contracts, and how the working relationship is structured. [Learn more about insurance for contractors](https://insurance.concklin.com/general-contractor-insurance) ### When should I report a workers' compensation injury? An employee should report a work-related injury or illness right away. Employers should report the claim to their insurance carrier as soon as possible. Delays can create claim problems and disputes. The exact reporting requirements can vary by state and employer procedure. See also: [What Happens When You File a Workers’ Compensation Claim](https://blog.concklin.com/what-happens-when-you-file-a-workers-compensation-claim) ### Does workers' compensation cover remote employees? Yes, if the injury arises out of and in the course of employment. The fact that an employee works remotely does not remove the workers' compensation exposure. Claim facts and state rules still matter. ## Why Clients Work with Concklin ### Independent Carrier Access We compare options from multiple top-rated carriers to find the right fit. ### Advice beyond selling a policy Practical guidance and risk management to help you make confident decisions. ### Support when claims happen We can help you understand the claim process, communicate with the carrier, and work through next steps. ### Family-owned agency Local roots, long-term relationships, and a commitment to our community. ## Talk to one of our agents --- Workers' compensation insurance affects your employees, your legal obligations, your claim process, and your business costs. Concklin Insurance Agency can help you review your current coverage, understand your options, and build a workers' compensation program that supports your business. ![Craig Concklin](https://insurance.concklin.com/hubfs/Headshots/Craig%20Concklin-1.jpeg "Craig Concklin") ### Craig Concklin [craig@concklin.com](mailto:craig@concklin.com) ##### President [See My Bio](https://insurance.concklin.com/craig-concklin) ![Michael Mormando-1](https://insurance.concklin.com/hs-fs/hubfs/Headshots/Michael%20Mormando-1.jpeg?width=200&height=200&name=Michael%20Mormando-1.jpeg "Michael Mormando-1") ### Michael Mormando [michael@concklin.com](mailto:michael@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/michael-mormando) ![Mike O 2020 website](https://insurance.concklin.com/hs-fs/hubfs/Mike%20O%202020%20website.jpeg?width=200&height=200&name=Mike%20O%202020%20website.jpeg "Mike O 2020 website") ### Michael O'Donnell [mikeo@concklin.com](mailto:mikeo@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/the-right-insurance-with-mike-odonnell-business-and-personal)   ![Christine Lee Headshot 2021 website-1](https://insurance.concklin.com/hs-fs/hubfs/Christine%20Lee%20Headshot%202021%20website-1.jpeg?width=200&height=200&name=Christine%20Lee%20Headshot%202021%20website-1.jpeg "Christine Lee Headshot 2021 website-1") ### Christine Lee [christine.lee@concklin.com](mailto:christine.lee@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/christine-lee) ![Peter 2](https://insurance.concklin.com/hs-fs/hubfs/Peter%202.jpeg?width=200&height=200&name=Peter%202.jpeg "Peter 2") ### Peter Mormando [peter@concklin.com](mailto:peter@concklin.com) ##### Agent/Producer [See My Bio](https://insurance.concklin.com/the-right-insurance-with-peter-mormando-business-and-personal) ## Insurance Insights and Risk Management Guidance Our blog articles help you stay informed and make more confident insurance decisions. 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MISSTATEMENTS OR OMISSIONS OF RELEVANT INFORMATION CAN LEAD TO PRICE VARIATION OR EVEN DECLINATION OR RESCISSION OF COVERAGE. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE IS A GUARANTEE THAT INSURANCE WILL BE PROVIDED OR THAT CONCKLIN INSURANCE AGENCY IS OBLIGATED TO PROCURE INSURANCE FOR ANY WEBSITE VISITORS. 240 S. WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@id" : "https://insurance.concklin.com/#organization", "@type" : [ "Organization", "LocalBusiness", "InsuranceAgency" ], "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Lombard", "addressRegion" : "IL", "postalCode" : "60148", "streetAddress" : "240 S. 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become ill because of their work." }, "name" : "What does workers' compensation insurance cover?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "In most states, yes. Once a business has employees, workers' compensation is usually required. The exact rules vary by state and may depend on the type of business, the industry, employee count, ownership structure, and where employees work. If your business has employees in multiple states, your policy should be reviewed to make sure the correct states are addressed." }, "name" : "Is workers' compensation insurance required for my business?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "The cost depends on your industry, payroll, claims history, classification codes, and the type of work your employees perform. Higher risk industries pay more. Better safety performance and lower claims can improve pricing over time. See also: How workers’ compensation premiums are calculated" }, "name" : "How much does workers' compensation insurance cost?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "If your business is required to carry workers' compensation and you do not, you can face fines, penalties, legal claims, and out-of-pocket costs for an employee's work-related injury or illness. In Illinois, for example, knowingly and willfully failing to obtain required coverage can result in fines of up to $500 per day, with a minimum fine of $10,000." }, "name" : "What happens if I do not have workers' compensation insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Workers' compensation does not cover injuries that happen outside of work, intentionally self-inflicted injuries, or injuries that do not arise out of and in the course of employment. It is designed for work-related injuries and occupational illnesses." }, "name" : "What is not covered by workers' compensation insurance?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Rates are based on your business classification codes, total payroll, and experience modification factor, which reflects claims history. Safer businesses with fewer claims usually see better results over time. See also: Why classification accuracy matters" }, "name" : "How are workers' compensation rates determined?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes. Business owners, partners, corporate officers, and LLC members may be able to elect coverage or opt out, depending on the state, business structure, ownership role, and policy. This is especially important when an owner is active in day-to-day operations and exposed to the same risks as employees. See also: Opting Out of Workers’ Compensation as an LLC Franchise Owner" }, "name" : "Can business owners, partners, or LLC members be covered?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "You can lower costs by improving workplace safety, training employees, using return to work programs, managing claims early, and making sure payroll and classifications are reported correctly. Fewer and less severe claims improve results over time. See also: Creating a Successful Return-to Work-Program: Benefits for Employers and Injured Employees" }, "name" : "How can I lower my workers' compensation insurance costs?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Not automatically. Independent contractors and subcontractors are not always treated the same as employees. Whether they need to be covered, excluded, or verified with their own coverage depends on state rules, the type of work, contracts, and how the working relationship is structured. Learn more about insurance for contractors" }, "name" : "Does workers' compensation cover contractors or subcontractors?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "An employee should report a work-related injury or illness right away. Employers should report the claim to their insurance carrier as soon as possible. Delays can create claim problems and disputes. The exact reporting requirements can vary by state and employer procedure. See also: What Happens When You File a Workers’ Compensation Claim" }, "name" : "When should I report a workers' compensation injury?" }, { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "Yes, if the injury arises out of and in the course of employment. The fact that an employee works remotely does not remove the workers' compensation exposure. Claim facts and state rules still matter." }, "name" : "Does workers' compensation cover remote employees?" } ] } ```