What is workers' compensation?
Workers’ compensation insurance — also called “workers’ comp” — is a type of business insurance that is designed to protect business owners in case an employee is injured or becomes ill on the job. It can also cover you if you work solo. Think of it as a band-aid that can help both the employer and employee cover the costs of:
- Medical Expense
- Death benefits
- Lost wages
- Permanent or temporary disability
- Rehabilitation and retraining
What does workers' comp cover?
Hopefully, a work-related injury or illness only causes a temporary setback, but as a business owner, you must prepare for every possibility. Workers' compensation could help cover expenses related to situation such as:
Employee Accident or Injury
Say that your employee slips and falls on the floor while cleaning your storefront. Workers’ comp can cover the cost of her medical expenses, as well as recoup lost wages while she recovers.
Your employee falls ill as a result of paint exposure in a poorly ventilated room; workers’ comp could cover the cost of his treatment and lost wages.
Imagine that your highly skilled employee has an accident while operating complex machinery. If he’s unable to work because of his resulting injury, workers’ comp can cover his wages and even the cost of retraining for a new job.
Repetitive Stress Injury
You’re a self-employed photographer who develops a chronic wrist injury. If you have opted to purchase workers’ compensation for yourself prior to getting hurt, the cost of your medical care could be covered.
How do I get workers' comp insurance?
Online, over the phone, or in the Thimble app in minutes. We make it easier than ever to input all the details about your team, get a fast quote, and get to work.
Real quotes from real customers.
Learn how Thimble helped these small business owners get covered so they could get moving, fast.
It only took me ten minutes to read everything, and it took me less time to actually sign up for insurance.
What I loved about Thimble was that the process was super easy. I was already frustrated because I tried so many other companies and got nowhere. The application process was literally less than a minute and before I knew it I was approved and had insurance. I didn't believe it at first.
It was a very user-friendly website for a busy business owner. It was easy to navigate around, I didn’t have to spend five minutes trying to find what I was looking for. It was a couple clicks and I found all the answers I needed.
Purchasing a policy can be very intimidating, but Thimble makes it very easy by being scalable and fitting the needs of your business. So whatever stage your business is at at the time, there’s a policy for that.
The Thimble app is so easy to use. It’s a no brainer to make sure you have insurance for your small business.
Quick-thinking insurance for fast-moving businesses.
*A policy under 24 hours in duration cannot be canceled, nor its paid premium returned, once the policy incepts. Only Thimble Monthly policies can be paused, one time and for up to 30 days