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Workers' Compensation Insurance

What is Workers Compensation Insurance, and Do I Need It?

Regardless of what product or service you provide, your people are your greatest resource, so you want to keep them healthy, happy, and on the job. However, if an employee suffers an injury and can’t perform their job, workers compensation insurance provides you and your employee with protection.


Every state requires workers compensation coverage to cover lost wages and medical treatment employees need when they have a work-related injury or illness. Workers compensation also takes care of expenses incurred in the process of getting the employee recovered and back to work.


Workers compensation coverage is complicated and different in every state, so be sure to contact an ABCO advisor for the coverage you need.

Ways to reduce workers compensation premium costs:


  • Manage and reduce risks of claims

  • Audit your premium regularly

  • Review all state credits and discounts

  • Raise your deductibles

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