Workers' Comp for Tech
Workers' compensation covers medical bills and lost wages for employees injured on the job. Required by law in 49 states the moment you make your first hire — even if they work remote.
About Workers' Comp for Tech
Workers' compensation insurance is mandatory in nearly every state once you have employees, even if they work fully remote. It covers medical expenses and a portion of lost wages if an employee is injured while working — from repetitive stress injuries (RSI is extremely common in software) to accidents during company events.
For tech companies, RSI, carpal tunnel, and ergonomic injuries are legitimate exposure. We work with carriers who understand tech businesses and price workers' comp fairly for low-risk software teams rather than treating you like a construction crew.
What's Covered
Frequently Asked Questions
Do I need workers' comp for remote employees in other states?
Yes — workers' comp follows the employee's state, not the company's home state. We'll ensure you're properly covered in every state where employees work.
Are 1099 contractors covered under workers' comp?
Typically not, but some states require coverage for certain contractor relationships. We'll assess your contractor relationships and advise on exposure.