Workers' Compensation Insurance for IT Professionals
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Workers' Compensation Insurance for Technology Businesses

If your small business has W2 employees, workers' comp coverage can be a smart investment, and it may also be required by your state's laws. Some states may also require coverage for solo practitioners or 1099 contractors.

In some states, you may be able to save money on premiums by excluding yourself – the business owner – from your company's coverage. If you're unsure about your state's guidelines, or those of other states in which your company conducts business, we can help. Contact our small business experts to find out if you need coverage.

What a Workers' Comp Policy Covers

This type of insurance pays for medical services or expenses as well as lost wages if one of your employees should be hurt while at work or suffer a work-related illness. For instance, if an employee hurts his back while moving servers or experiences carpal tunnel syndrome from extended computer time coding, your workers' comp policy could provide the financial coverage your need. If an employee should be killed while working for your company, some policies may also provide survivor benefits and funeral expenses.

Most workers' comp policies come with employer's liability coverage, which is designed to protect your business if an employee alleges that the company's negligence or safety failures caused his or her illness or injury. If you should face this kind of lawsuit, this extra level of protection will pay for your legal defense and any settlements you may be obligated to pay.

To identity what coverage your state requires, please visit the appropriate state website:

Contact Business Insurance Now for a Free Risk Assessment

If you're unsure about your state's workers' compensation insurance laws or just want a great price on workers' comp insurance, contact the IT insurance experts at Business Insurance Now. We'll help you select the right coverage for your business, at a good rate, and ensure you're in compliance with the laws of your state or other states where you may operate.

Secure a workers' compensation quote today.

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Workers' Comp
Insurance Tips

  • Train your installers and network administrators on proper lifting and carrying techniques for servers or other heavy equipment.
  • Supply your developers and engineers with appropriate ergonomic accessories such as keyboards, mice, and chairs.
  • Even if you do not have full-time employees, your state laws may require that you cover yourself, part-time employees or contractors with workers' comp insurance.