Koosh Insurance · Workers' Compensation
Workers' Compensation
Workers' comp is the only insurance you can be criminally prosecuted for not having. Every state but one mandates it for employers, and the penalties for going without — fines, stop-work orders, personal liability for injuries — escalate fast. Beyond the legal requirement, it's the policy that protects your business from being sued personally by an injured employee and pays for their care while they recover.
Coverage
What this coverage includes
- Medical expenses for injuries and occupational illnesses arising out of employment
- Lost-wage replacement while the employee is unable to work, typically a percentage of their average weekly wage
- Disability benefits for permanent partial or total disability resulting from a workplace injury
- Death benefits and funeral expenses paid to surviving dependents in fatal-accident cases
- Employer's liability coverage that defends you against lawsuits filed by employees, family members, or third parties tied to a workplace injury
- Vocational rehabilitation when an injured employee can't return to their original role
Who Buys This
Who typically buys this coverage
- Construction and trades — high-frequency, high-severity exposure and aggressive state classification rules
- Restaurants, hotels, and retail — slips, burns, and lifting injuries drive consistent claim volume
- Manufacturing and warehousing — machine, repetitive-motion, and forklift exposure
- Healthcare and home-care providers — needle sticks, patient handling, and occupational illness claims
- Professional offices — lower frequency but still required, often easier to place at favorable rates
Why Koosh
Why Koosh Insurance
Two businesses in the same industry with the same payroll can pay wildly different premiums depending on classification, mod management, carrier appetite, and program structure. Most agencies treat workers' comp as paperwork. We treat it as an active engagement.
Class-code review at every quote. Misclassification is the single most common reason businesses overpay. We verify codes before we shop.
Multi-state placement. We've placed coverage in monopolistic states (Ohio, North Dakota, Washington, Wyoming) and built other-states endorsements for clients operating across lines.
Carrier breadth. Standard markets, state funds, assigned-risk pools, and PEO arrangements when the conventional market won't write.
Audit defense. When the audit arrives, we sit with you and challenge anything that looks wrong.
Coastal and high-cat experience. Construction and roofing in storm-exposed states are some of the hardest classes to place — we know which markets actually quote them.
FAQ
Frequently asked questions
This page provides general information about Workers' Compensation insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.
Get a quote for Workers' Compensation
Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.