Business Insurance
Workers Compensation
Covers medical expenses and lost wages for employees injured on the job, and protects employers from related lawsuits.
Get a Quote*General coverage descriptions listed below are intended as educational overviews and may not reflect the specific terms of any policy placed by Rampart Risk Advisors LLC. Coverages often vary by carrier and the risk profile of each individual business. Always refer to your policy to determine what exposures, perils, or claims are covered.
What’s Generally* Covered
- Medical expenses for employees injured or made ill on the job
- Lost wages during recovery, typically at a percentage of regular pay
- Rehabilitation and retraining costs when employees cannot return to their prior role
- Death benefits for dependents of employees killed in workplace incidents
- Employer liability coverage for lawsuits related to workplace injuries
- Coverage that meets state-mandated statutory requirements
Who It's For
- Any business with employees — coverage is required by law in nearly every state
- Companies in industries with physical labor, driving, or equipment operation
- Office-based employers, where coverage is still legally required despite lower injury frequency
- Contractors who need to provide certificates of insurance to general contractors or clients