Guide to Worker's Compensation Insurance for Employers

​​​​​​​​​​​​Last Updated: August 25, 2023

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

Worker's compensation provides protection mandated by state law for a worker and their dependents against injury and death occurring in the course of employment. It provides wage replacement and medical benefits to employees for accidental injuries or diseases related to the employee's work. Worker's compensation insurance is not health insurance. 

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

To more easily view a glossary term in a PDF within your internet browser, simply hold the CTRL (control) key (or ⌘ key on a Mac) while clicking on the dotted-underlined term​. This will open the glossary in a new window, allowing you to hold your spot within the consumer guide.

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).