Why This Matters
Most states require workers’ comp once you hire employees, and non-compliance can lead to fines or lawsuits.
Key Sections:
- What is Workers’ Compensation?
- Insurance covering medical bills and lost wages for work-related injuries.
- When Do You Need It?
- Varies by state (some require it from the first employee).
- Common Misconceptions
- “Remote employees don’t need it” (false—injuries at home can still qualify).
- Cost Factors
- Industry risk, payroll size, and claims history.
- How to Reduce Premiums
- Safety training, clear workplace policies, and return-to-work programs.
CTA: “Check your state’s requirements and get a quote before hiring your first employee.”