Consumer's Guide to Worker's Compensation Insurance for Employers

​​​​​​Last Updated: November 20, 2020

Full version of publication: Consumer's 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

Request a Copy by Mail
If you wish to receive a printed version of this guide by mail, click 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 Insurance (OCI).

  • ​Reach out to OCI (1-800-236-8517, to speak with our staff. If sending an email, please indicate your name and phone number.

  • File a complaint with OCI. You can file a complaint online by clicking here. If you would like to file your complaint by mail, you can download a complaint form in English or Españ​ol.​