Workers’ Compensation Insurance

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance protects both your employees and your business when someone gets hurt on the job. It ensures injured workers receive the medical care and wage replacement they need, while also helping your business avoid costly claims and lawsuits.

Whether you run a roofing crew, a framing company, or any type of contractor operation, accidents can happen anytime — from a slip on a ladder to strain from heavy lifting. Workers’ comp keeps your business compliant and your team protected so everyone can get back to work safely.

Common Causes of Job-Related Injuries

Workplace injuries vary from trade to trade — but some risks are universal. Below are common hazards this coverage helps protect against:

• Falls & Slips – Ladder falls, unfinished surfaces, roofing edges, or job-site debris
• Heavy Lifting Injuries – Back strain, shoulder injuries, or overexertion
• Equipment Accidents – Injuries caused by power tools, nail guns, forklifts, etc.
• Repetitive Motion – Long-term injuries caused by repeated tasks or vibrations
• Exposure Hazards – Dust, chemicals, fumes, or extreme weather conditions

How Workers’ Compensation Helps Your Business Long-Term

Even one workplace injury can impact morale, delay jobs, and strain your budget. Workers’ compensation creates a safer, more confident work environment by making sure employees are supported if something goes wrong.

With proper coverage, you can:

• Keep projects on schedule while injured employees recover
• Reduce workplace stress and improve team morale
• Show your crew you care about their safety
• Avoid expensive disputes or unexpected legal claims

Workers’ compensation isn’t just a legal requirement — it’s a safety net. With the right coverage in place, your team stays secure, your business stays compliant, and you stay focused on running a job well done.