Protect Your Team,
Protect Your Business

Workers comp is required in nearly every state, though the specific rules vary. Some states exempt very small businesses (1–3 employees) or certain industries. We'll help you understand your state's requirements.

Rates are based on your industry classification, payroll size, and claims history. A low-risk office job might cost $0.20 per $100 of payroll, while high-risk construction could be $5+ per $100. We shop 50+ carriers to find the best rate.

Penalties vary by state but can include fines of $1,000+ per day, loss of business licenses, personal liability for employee injuries, and even criminal charges in some states.

Generally no — true independent contractors aren't covered by your workers comp. However, if they're misclassified and should be employees, you could face penalties. We can help you understand the distinction.

When an employee is injured, they report the injury to you, and you file a claim with your insurance carrier. The carrier investigates the claim, and if approved, begins paying for the employee's medical treatment and a portion of their lost wages. Most carriers have a 24/7 claims hotline and assign a dedicated adjuster to manage the case. Nova Coverage helps you through every step so nothing falls through the cracks.

In many states, yes — sole proprietors, partners, and corporate officers can choose to exempt themselves from workers comp coverage. However, this means you'd have no coverage if you're injured on the job. Whether it makes sense depends on your risk exposure and personal health insurance situation. We can walk you through the rules for your state and help you decide.

First, make sure the employee gets immediate medical attention. Then document everything — the time, location, how the injury happened, and any witnesses. Report the injury to your workers comp carrier as soon as possible, ideally within 24 hours. Most states also require you to file a First Report of Injury with your state's workers comp board. Don't delay — late reporting can complicate claims and increase costs. Your Nova Coverage agent can guide you through the process.

You do — out of pocket. Without workers comp, you're personally liable for all medical bills, rehabilitation costs, and lost wages. The injured employee can also sue you directly for damages, pain and suffering, and negligence — which can easily reach six or seven figures. On top of that, most states will hit you with heavy fines and penalties for operating without required coverage. It's one of the biggest financial risks a business owner can take. Getting covered is far cheaper than the alternative.