Workers’ compensation for your business

In case of an accident, you want coverage to help take care of your employees and protect your business from major financial loss.

What is workers’ compensation?

A workers' compensation insurance policy provides benefits to your employees for work-related injuries and illnesses. It may also pay for medical treatment, temporary and permanent disability and death benefits. Requirements for workers’ comp vary by state.

Why your business needs workers’ compensation insurance

Nearly every state requires businesses to carry workers’ compensation insurance. But even if your state does not have such a requirement, carrying workers comp is still a smart idea that could protect your business if your employee suffers a work-related injury or illness. Workers compensation insurance is also a great way to look out for your employees and their families.

The cost of workers’ compensation insurance

No business is quite like your business, so we can’t tell you what you’ll pay for workers’ compensation insurance without speaking with you. What we can tell you is that your premium will be based on your payroll and industry. Like a good neighbor, your agent can help you consider the unique needs of your business.

Claim Kit information

Visit Workers’ Compensation Claims for help with claims and access Claim Kits with state-specific information and posters and bulletins to display at your business.

Loss control services and resources

Many workers’ compensation losses are preventable. Check out our free resources to help you identify and mitigate some common causes of business and workers’ compensation losses.

Learn how to lower your risks

Audit awareness

Workers’ compensation is an auditable policy, so the initial premium is based on your estimated payroll for the upcoming policy period.

Understand premium audits

Rated “the best overall” insurance company for small business

We’re not ones to brag (okay maybe a little), but Investopedia recognized State Farm insurance as the top choice for small businesses 1 like yours. Here’s why:

Agent know-how

Our agents are business owners too. They understand the unique needs of small business owners.


Customizable insurance

We offer an array of coverage options that can be combined into one affordable policy.


Exceptional service

Since 1935, we’ve been here to help small business.

Talk to a local State Farm agent

This is only a general description of coverages of the available types of business insurance and is not a statement of contract. Details of coverage, limits, or services may not be available for all business and vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements. Contact a State Farm agent for more information and a customized quote.

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites hyperlinked from this page. State Farm has no discretion to alter, update, or control the content on the hyperlinked, third party site. Access to third party sites is at the user's own risk, is being provided for informational purposes only and is not a solicitation to buy or sell any of the products which may be referenced on such third party sites.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

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