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Workers’ Compensation 101

Workers' compensation insurance hero

Workers’ Compensation 101

Small Business Guidebook

WC cover

Business Insurance Coverage 101: Property & Casualty

Workers’ Compensation Insurance should be a part of your strategy to protect and grow your business.

Do I need Workers’ Compensation Insurance?


Question 1

What is workers’ compensation coverage?


Question 2

Why does a business need it?


Question 3

What happens if you don’t get coverage?


Question 4

Do workers’ compensation requirements differ by state?


Question 5

Who is covered?


Question 6

What is covered?


Question 7

How are workers’ compensation premiums calculated?

Question 8

How do you purchase coverage?


Question 9

Is there an audit process for workers’ compensation policies?


Question 10

What about claims and risk management?


Question 11

How can you manage your workers’ compensation coverage after purchase?


Take home thoughts


Useful workers' comp links


WC Guidebook cover

Printer-friendly PDF version

IMPORTANT NOTICE: ADP publishes this Guidebook free of charge. It is accepted with the understanding that the publisher is not engaged in the business of rendering legal or accounting services. If legal, tax, accounting, or other professional assistance is required, the service of an attorney or a certified public accountant should be sought.

The information contained in this website represents the products and services available through one of the business groups of Automatic Data Processing Insurance Agency, Inc. (ADPIA). ADPIA services mid and large size clients with various insurance products and services through its other business groups.

All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., its licensed agents or its licensed insurance partners, 1 ADP Blvd., Roseland, NJ 07068. CA license # 0D04044. Licensed in 50 states. Automatic Data Processing Insurance Agency, Inc. is an affiliate of ADP, LLC. Certain services may not be available in all states. Certain services are provided through the carrier partners and an additional carrier fee may apply. ADP and the ADP Logo are registered trademarks of ADP, LLC. Copyright © 2016 ADP, LLC.