Stipendia Payroll Partners Workers Compensation

Workers’ Compensation Insurance

Nearly every state requires businesses to have workers’ compensation insurance to protect them and their employees if a workplace accident occurs.

Workers’ Compensation Insurance:

State workers’ compensation laws typically provide the following types of benefits:

- Medical Coverage: Includes doctor visits, hospital care, prescription medications, physical therapy and other medical treatments.
- Disability: Provides partial replacement of income lost when workers are unable to work due to an on-the-job injury. The disability may be temporary or permanent, and partial or total.
- Vocational Rehabilitation: Enables workers who cannot return to their prior occupation to learn a new skill based on their current capabilities.
- Death Benefits: Afforded to the spouse and minor children if a worker loses his or her life on the job.

Why ADPIA? In a word, experience.

Navigating the world of workers’ compensation can be frustrating. When you choose ADPIA, you gain the experience of a team that knows workers’ comp inside and out. We’ll work with you to provide:

- Smart, strategic guidance for your growing business.
- The right coverage from the right carrier to protect you and your employees.
- Resources to help you make sense of the changing Workers’ Compensation landscape.
- Support so you can focus on your goals.

We’ve helped over 100,000 small and midsized businesses find just the right coverage — so they can concentrate on more strategic ways to drive bottom-line growth.

Certificates of Insurance

Generate Certificates of Insurance in Real-Time!*

As an Automatic Data Processing Insurance Agency, Inc. (ADPIA) client for workers’ compensation, utilizing ADP’s Pay-byPay® Premium Payment Program, you can create, update, renew and retrieve your certificates of insurance directly from your RUN powered by ADP® payroll account.

With Certificates of Insurance, you have control of your certificates.

Easy, Fast and Accurate certificates of insurance when you need them!

When do I need to buy workers' compensation insurance?

In most states, workers’ compensation insurance is required for companies with one or more employees. States typically enforce stiff penalties for employers who do not purchase workers’ compensation insurance. Only a handful of states do not require employers to carry this type of coverage. –

How much does workers' compensation insurance cost?

Workers’ compensation insurance pricing is based on: your payroll, the number and job classifications of the employees, classification of your business and past loss experience. As the employer, you are responsible to pay for the cost of workers’ compensation premiums.