Guide to Worker's Compensation Insurance for Employers

​​​​​​​​​​​​Last Updated: February 3, 2025

Full version of publication: Guide to Worker's Compensation Insurance for Employers​

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Worker's compensation is protection mandated by state law for a worker and the worker's dependents against injury and death occurring in the course of employment. Worker's compensation is not health insurance. Worker's compensation is not intended to compensate for disability other than disability caused by injury arising out of employment.

This guide​covers important worker's compensat​ion topics, including

  • buying insurance
  • who is covered
  • insurance for farm accidents
  • Uninsured Employers Fund​
  • benefits payable under Worker's Compensation Insurance
  • costs
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GLOSSARY TIP: 
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Request a Copy by Mail
Order a publication online here or call 1-800-236-8517 to request a copy.

File a Complaint
If you have a specific complaint​ about your insurance, refer it first to the insurance company or agent involved. If you do not receive satisfactory answers, contact the Office of the Commissioner of Insu​rance (OCI).