What is workers' compensation insurance?
Workers' compensation insurance covers medical costs and lost wages when an employee is injured on the job. It is legally required in most US states once you have employees. It has nothing to do with product-injury claims, so it sits alongside product and general liability rather than replacing them.
Get a free quoteWhat workers' comp covers, and what it does not.
Covered
- employee medical costs for work injuries
- lost wages during recovery
- employer liability for workplace injury
Not covered
- third-party or customer product-injury claims
- independent contractors in many cases
- the business's own property
Who needs it
Any business with employees; most US states require it by law once you hire.
Typical cost
Varies by payroll and state; often a percentage of wages rather than a flat monthly fee.
Where Assureful fits
Coverage priced on your real sales.
Workers' comp is a legal requirement for employers and sits outside Assureful's product and general liability focus. Assureful connects to your store, prices product and general liability from actual monthly sales, and issues a marketplace-ready Certificate of Insurance when a platform or buyer asks.
From $26/mo
Pay-as-you-sell insurance
- A-rated underwriters
- 42% less than comparable A-rated insurers (avg)
- Quote in 2 minutes
- No annual forecasts
- Cancel anytime
No obligation. Cancel anytime.
Questions
Workers' comp FAQ.
Do I need workers' comp if I have no employees?+
Usually not, though rules vary by state and some owners or contractors are treated differently. Solo sellers typically do not carry it, but still need product and general liability for the goods they sell.
Related coverage
General information, not insurance advice. Source: Insurance Information Institute: workers' comp. Reviewed 2026-07-01.