The Small-Business Owner's Guide to Workers' Compensation Insurance

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Conclusion & References

Navigating Workers' Compensation Insurance laws can be tricky — especially if you are a small-business owner who is planning to hire their first employee. Your insurance requirements depend on how many employees you have and where you live. Not fulfilling these requirements can be devastating to small-business owners. Without insurance, you could face lawsuits, fines, and even criminal charges. But with the appropriate Workers' Compensation Insurance policy, you'll be able to protect your employees — and your business.

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Resources Mentioned in This Guide

A.M. Best, State Workers' Comp Funds Wary of Shrinking Premiums [PDF]

The American Society of Safety Engineers, "Impact of Accident Costs on Businesses"

eWeek, "Small Business Owners Concerned About Workplace Safety"


Insurance Information Institute, "Workplace Safety/Workers Comp"


The Iowa Orthopaedic Journal, "A Brief History of Workers' Compensation"

National Association of Insurance Commissioners, Map of NAIC States & Jurisdictions

National Council on Compensation Insurance (NCCI)

Liberty Mutual Research Institute for Safety, "Workplace Safety Index [PDF]"

New York State Workers' Compensation Board, Employers' Handbook [PDF]

Nolo.com, "Paying a Private Criminal Defense Attorney"

Oliver Wyman Consulting Actuaries, Examining Costs and Trends of Workers Compensation Claims in New York State [PDF]

Sacramento Business Journal, "Report: Average Cost of Workers' Comp Claim is $65,000"

U.S. Bureau of Labor Statistics

U.S. Department of Labor

U.S. Small Business Administration, Impact of Litigation on Small Business [PDF]

Workers' Compensation Funds by State

Workers' Comp Monopolistic Funds by State

The Workers Comp Resource Center, "Employers Wrongly Have Fear of Communicating Work Comp"

Next: Workers' Compensation Insurance FAQ

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