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Workers' Compensation

Statutory coverage protecting workers in 46 states.

Medical Benefits

Unlimited (statutory)

Wage Replacement

Up to 66.7% of wages

Employer Liability

Up to $1M

States Available

46

What does Workers' Compensation cover?

Workers' Compensation provides statutory benefits for employees injured on the job, covering medical expenses, lost wages, and rehabilitation costs. For employers, it satisfies legal requirements and shields against lawsuits. Olli's program is available in 46 states. North Dakota, Ohio, Washington and Wyoming require coverage through their state funds. Onboarding is built for small and mid-size businesses.

Who needs Workers' Compensation?

01

Medical Benefits

When an employee is hurt on the job, this coverage pays for their medical treatment up to statutory limits. That protects your workers and keeps you compliant with state law.

02

Lost Wage Replacement

If an injury keeps an employee off work, wage replacement benefits help cover a portion of their lost income. This support helps them recover without losing their paycheck.

03

Employer Liability

Part B employer liability coverage protects your business if you are sued over a workplace injury. It adds a layer of defense beyond the basic statutory benefits.

04

Coverage In 46 States

Requirements differ from state to state, and coverage is available in 46 states. North Dakota, Ohio, Washington and Wyoming are monopolistic states, where coverage must be bought from the state fund rather than a private carrier. That makes it easier to stay compliant as you hire or expand.

What's included?

Medical expense coverage for work injuries
Lost wage replacement benefits
Rehabilitation and therapy costs
Employer liability coverage (Part B)
Coverage for occupational disease
Death benefits for dependents
Available in 46 states
Pay-as-you-go premium options

Who is this for?

Plumber — Covers medical costs and lost wages if an employee is hurt on a job site.

Plumber insurance

Electrician — Covers injuries from electrical work, required in most states once you have even one employee.

Electrician insurance

Cleaning business — Covers injuries staff sustain while cleaning client sites, from falls to chemical exposure.

Cleaning business insurance

Landscaping — Covers equipment-related injuries, a leading cause of workers' comp claims in outdoor trades.

Landscaping insurance

Food truck — Covers burns, cuts, and other kitchen injuries for anyone you employ.

Food truck insurance

Roofer — Covers a crew member's medical bills and lost wages after a fall, the leading injury in roofing.

Roofer insurance

Contractor — Covers job-site injuries once you run a crew, and larger GCs often want it on your certificate.

Contractor insurance

Mover — Covers a crew member's injury on a move, plus the wages lost while they recover.

Mover insurance

HVAC — Covers a technician's medical bills and lost wages after shocks, burns, or lifting injuries.

HVAC insurance

Carpenter — Covers cuts, kickbacks, and falls from ladders once you have employees.

Carpenter insurance

See every profession we cover

What are the limits and deductibles?

Medical Benefits

Unlimited (statutory)

Wage Replacement

Up to 66.7% of wages

Employer Liability

Up to $1M

States Available

46

Frequently Asked Questions

Is Workers' Compensation required by law?

In most states, businesses with employees are legally required to carry Workers' Compensation. Requirements vary by state, so it is important to confirm the rules where you operate.

What does Workers' Compensation cover?

It covers medical expenses, lost wage replacement, rehabilitation costs, occupational disease, and death benefits for dependents when an employee is injured or becomes ill because of their job.

Do I need it if I am a sole proprietor with no employees?

Owners without employees are often exempt, but some clients or contracts may still require proof of coverage. Buying a policy can also protect you if you bring on help, even temporarily.

How much of an injured employee's wages does it replace?

Wage replacement is typically up to about two-thirds of the employee's wages, subject to your state's statutory limits.

What is pay-as-you-go premium?

Pay-as-you-go lets you base premiums on your actual payroll over time rather than a large upfront estimate. This helps small businesses manage cash flow and reduces the chance of a big year-end adjustment.

Does this also protect my business from lawsuits?

Yes. Employer liability coverage, known as Part B, helps defend your business against certain lawsuits related to workplace injuries in addition to the statutory benefits paid to employees.

Workers' Compensation Pricing

Affordable protection based on your business size and risk level

Workers' Compensation

Required
from $19/mo

Get Workers' Compensation coverage today.

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.