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Workers’ Compensation

Workers’ Compensation Insurance Care for Your Employees. Protect Your Business.

Provide vital support for injured employees while protecting your business from lawsuits and penalties

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Overview

What Is Workers’ Compensation Insurance?

Workers’ Compensation Insurance provides coverage for employee injuries or illnesses that happen as a result of their job. It pays for medical care, lost wages, and rehabilitation — and also shields your business from employee-related lawsuits.

Most states and countries require this coverage by law once you hire your first employee. Even if it’s not mandated yet, it’s one of the most essential protections a business can have.

A healthy workplace starts with the peace of mind that if something happens, your people and your business are covered.

What’s Covered

What Does Workers’ Comp Insurance Cover?

1
Death Benefits
Financial support and funeral costs for the family in the event of a fatal workplace accident.
2
Lost Wages
Partial wage replacement while the employee recovers and cannot work.
3
Rehabilitation Costs
Physical therapy, occupational therapy, or retraining for a new role if needed.
4
Disability Benefits
Covers both temporary and permanent disabilities resulting from the injury.
5
Death Benefits
Financial support and funeral costs for the family in the event of a fatal workplace accident.
6
Employer Legal Protection
Covers legal costs if an employee sues over a work-related injury or illness.

Common Workplace Injuries We Cover

  • Slips, trips, and falls
  • Equipment or machinery accidents
  • Overexertion or repetitive strain (e.g., lifting injuries)
  • Burns, cuts, and lacerations
  • Exposure to hazardous materials
  • Transportation-related injuries (if driving is job-related)
Who Needs Workers’ Compensation Insurance?

Do You Need It?

If you have any employees — even just one part-time worker — you likely need Workers’ Comp coverage.

This includes:

  • Full-time and part-time staff
  • Temporary and seasonal workers
  • Contractors and sub-contractors (in some states or industries)
  • Office-based teams and field workers

Required By Law In:

Most U.S. states, Canada, Australia, the UK, and dozens of other global jurisdictions.

Why Choose GlobalPayGuard for Workers’ Comp?

Why Businesses Trust Us

Fast Coverage Setup

Get a certificate of insurance (COI) in minutes

Integrated With Payroll

Optional direct connection to your payroll provider

Multi-Jurisdictional Support

We understand regional labor laws

Risk Management Advice

Help reducing claims through workplace safety insights

Dedicated Claims Support

24/7 hotline for injured workers & HR teams

Real Claims Examples

  • A warehouse worker strains their back lifting heavy boxes — GlobalPayGuard covers their treatment and time off work.
  • A barista slips on a wet floor, fracturing a wrist — medical and wage replacement is fully handled.
  • A construction contractor is injured by equipment — we step in immediately to assist.
FAQs

Is Workers’ Comp required by law?
Yes, in most regions. Requirements vary by location, number of employees, and industry. We’ll help you stay compliant.
Can I get coverage if I have remote workers?
Yes — even remote employees can get injured on the job (e.g., repetitive strain), and may be covered depending on your jurisdiction.
Does this cover independent contractors?
Not by default, but we can help evaluate if you need coverage for subcontractors or 1099 workers based on your state’s rules.
How are premiums calculated?
Rates depend on industry risk level, number of employees, payroll size, and claims history.

Ready to Protect Your Team — and Your Bottom Line?

With GlobalPayGuard, you can get reliable Workers’ Comp coverage that keeps your employees safe, your business compliant, and your operations secure.

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