Workers’ Compensation

Pays medical bills and a portion of wages after work injuries. Most states mandate WC if you have employees.

Key Points

• State rules vary: who counts as an employee, exemptions, minimum premiums.
• Return‑to‑work programs reduce claim costs.
• Post required notices and report injuries promptly.

Cost Factors

• Payroll by class code
• Experience modification (MOD)
• Safety record