Workers' Compensation Insurance
Protect your employees and your business. Workers comp pays for medical bills, lost wages, and rehabilitation when an employee is injured on the job — and shields you from costly lawsuits.
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What Workers' Compensation Covers
Workers comp provides comprehensive protection for injured employees and limits your exposure as an employer.
Medical Expenses
Pays for doctor visits, emergency care, surgery, hospital stays, prescriptions, and ongoing treatment resulting from a work-related injury or illness.
Lost Wages
Replaces a portion of the injured employee's wages while they are unable to work due to a covered injury — typically 60–70% of their average weekly wage.
Rehabilitation Costs
Covers physical therapy, vocational rehabilitation, and other services needed to help the injured worker return to work.
Permanent Disability
Provides long-term or permanent disability benefits if an employee's injury results in lasting impairment that affects their ability to work.
Death Benefits
Pays death benefits to the employee's dependents if a work-related injury or illness is fatal, including burial expense reimbursement.
Employer's Liability
Protects you from lawsuits filed by injured employees who claim your negligence caused their injury, in addition to standard workers comp benefits.
Workers' Comp Is Required by Most States — and Most GCs
Construction is one of the most dangerous industries in the United States. Falls, tool injuries, electrical accidents, and heavy equipment incidents happen on job sites every day. Workers' compensation insurance is the system that ensures injured workers receive care while protecting employers from devastating out-of-pocket costs.
California, Nevada, Arizona, and Utah all require employers with one or more employees to carry workers' compensation insurance. Failure to comply can result in stop-work orders, substantial fines, and personal liability for all injury claims.
State Requirements at a Glance:
California
Required for all employers with 1+ employee. Enforced by DIR.
Nevada
Required for all employers. Administered by DIR.
Arizona
Required for all employers. Administered by ICA.
Utah
Required for most employers. Administered by UIAB.
Texas
Technically optional for private employers, but most GCs require it.
How Workers' Comp Premiums Are Calculated
Workers' compensation premiums are based on your total payroll and the classification codes that apply to the work your employees perform. Each job classification (roofing, electrical, concrete, etc.) has a rate per $100 of payroll based on the historical injury risk for that type of work.
Your experience modification factor (e-mod) adjusts your premium up or down based on your actual claims history compared to other businesses in your industry. A low e-mod — earned through good safety practices and few claims — can significantly reduce your workers' comp costs.
Altamira works with multiple workers' comp carriers to find you the best combination of price, claims handling, and loss control services. We can also explore pay-as-you-go options that base your premium on actual payroll each pay period rather than an estimated annual premium.
Workers' Compensation Insurance — FAQs
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