Yes—each state has its own laws, but most employers are required to carry workers’ comp insurance once they hire one or more employees.
Protecting Your Team and Your Business
No matter how safe the work environment, accidents can still happen. Workers’ Compensation Insurance from Tram’s Insurance Agency ensures that your employees are protected—and your business is compliant—with coverage that supports medical care, lost wages, and recovery.
Workers’ comp is not just a legal requirement—it’s a business essential. It helps cover medical costs and lost income when an employee is injured on the job, reducing your liability and helping your team recover faster.
Our Workers’ Compensation Insurance provides coverage for:
Medical Expenses – Hospital bills, doctor visits, medications, and rehab for job-related injuries or illnesses.
Lost Wages – Partial wage replacement for employees who miss work while recovering.
Disability Benefits – Coverage for short-term or permanent disability resulting from a workplace incident.
Ongoing Care – Includes physical therapy, long-term treatment, or specialized care for serious injuries.
Death Benefits – Financial support for families if a workplace injury leads to fatality.
Employer Liability Protection – Legal defense and settlements if an employee files a lawsuit related to a work injury.
Turning your worry into peace of mind.
Insurance options made simple
Yes—each state has its own laws, but most employers are required to carry workers’ comp insurance once they hire one or more employees.
Workers’ comp is a no-fault system—coverage still applies regardless of who was at fault for the accident.
In most cases, independent contractors are not covered, but we can help you determine whether special arrangements or policies apply.