Workers Compensation Insurance

Workers’ compensation insurance is a cornerstone of smart business protection. It steps in when the stakes are high—when an employee is injured or falls ill on the job—and provides the financial support they need to recover, and the legal protection your business needs to stay stable.

This coverage pays for emergency care, follow-up treatment, lost income, and even death benefits if the worst should happen. But it does more than write checks—it sends a clear message that you value your employees and run a business that’s prepared for reality, not just the ideal workday.

In most states, it’s legally required. But even if it weren’t, no serious business would go without it. One injury can unravel months of progress. Workers’ comp exists to hold things together when everything else is falling apart.

One misstep. One ladder fall. One machine malfunction. That’s all it takes. And when it happens, workers’ compensation insurance steps in. It pays the hospital. It covers the wages. It calms the panic.

It also protects you. Because without this coverage, a single injury could become a six-figure lawsuit. It’s not just insurance—it’s proof your business does things the right way.

In most states, if you have employees, you need workers’ compensation insurance. The law doesn’t always wait for you to grow. In some places, it kicks in the moment you bring on your first hire. Other states give you some leeway—until you reach two, three, or more employees. But make no mistake: once you’re required to carry it, there’s no wiggle room.

Penalties for noncompliance aren’t just financial—they can stop your business in its tracks. Fines, stop-work orders, and in severe cases, personal liability for claims can follow.

There’s also the question of where you’re allowed to buy it. States like North Dakota, Ohio, Washington, and Wyoming run their own funds. That means you don’t shop the open market—you buy from the state.

The bottom line? If you have employees, you need to understand your state’s rules—and act before a claim forces your hand.

If you have employees, you likely do. But it’s especially critical if you run a business in:

• Construction or contracting
• Retail or restaurants
• Janitorial services or landscaping
• Warehousing, logistics, or delivery
• Healthcare or caregiving
• Professional services like accounting or consulting

From hard hats to headsets, workers’ comp protects every type of workforce.

Not always. But often, yes.

If you work in a high-risk trade, your health is your income. One fall from a ladder can wipe out a season’s earnings. Workers’ comp protects your cash flow when your body can’t.

And if you’re hiring contractors, don’t assume they’re covered. Make sure they have their own policy—or you may end up paying their claim.

In states like California, if your business does hazardous work—construction, roofing, demolition—you may be required to cover everyone on the site, including independent contractors. Failing to do so could mean paying their medical bills out of pocket.

Start with someone who knows what questions to ask. A real broker—not a robot. You’ll need to provide your business type, payroll, job duties, and claims history.

Here’s how it works:

1. You share your payroll and operations.
2. We shop real carriers—not just one.
3. You pick the policy. We handle the paperwork.
4. You get coverage and proof—fast.

At IronPoint, we don’t sell boilerplate protection. We tailor workers’ comp to fit your risk, your team, and your growth. Because when the work is hard, your insurance shouldn’t be.