Why choose EMC
Because we share your commitment to the health and safety of your employees. Our workers’ compensation insurance is tailored to meet your unique needs. We’ll be there to guide you through claims with fairness and efficiency, offer guidance on how to keep workplaces safe, and stand by you through every twist and turn.
What is workers’ compensation insurance?
Workers' compensation (also known as workers’ comp) is a type of insurance that offers compensation to your employees if they get injured or become disabled as a result of their job. If an employee experiences a work-related injury or illness, workers’ comp insurance helps pay for their medical treatment, rehabilitation, lost wages, and death benefits.
Do I need workers’ compensation insurance?
For most employers, the answer is yes. Not only is workers’ comp insurance required by law in most states, but it also protects your business and your team. Workers’ comp ensures that if something does happen on the job, everyone is taken care of.
- Protection for employees: Employees covered by workers’ comp insurance can receive financial protection if a workplace hazard results in an injury, disability or death while performing their regular work duties.
- Protection for employers: Workers’ comp coverage provides protection to employers by sheltering them from potential lawsuits resulting from a work-related injury.
Workers' compensation solutions
EMC nurse helpline
Return to work programs
Worksite wellness programs
Prework screening
Frequently asked questions
The cost of workers’ comp insurance depends on a number of factors, including:
- The type of work you do
- How many employees you have
- The industry you work in
- The cost of medical care
Each state has its own method for calculating workers' compensation insurance rates. To estimate your costs, workers' comp insurance companies use some version of this equation which uses information on your business’ risk, total payroll and claims history.
Class code rate x Payroll/$100 x Modification = Premium estimate
Injuries or illnesses that occur or worsen as a result of employment are generally covered by workers' comp insurance. Whether or note a work-related injury or illness is covered will depend on your state’s laws.