Workers' Compensation Insurance for Engineering Firms
Protect your employees and understand the workers' compensation requirements that come with hiring and growing your firm.
Support for Your Growing Team
Workers’ Compensation Insurance for Engineering Firms helps address work-related injuries and illnesses involving employees, subject to state law and policy terms. Coverage commonly helps with medical expenses and wage benefits after a covered workplace injury and can include employer liability protection.
Engineering may seem less physically risky than many trades, but employees can still travel, visit project sites, perform field inspections, drive for work, and experience ordinary workplace injuries.
Employee Injuries
Workers' compensation can help address covered medical and wage losses when an employee is injured in connection with work.
State Requirements
Workers' compensation requirements vary by state, business structure, workforce, and other factors.
Field Work Creates Exposure
Site visits, inspections, travel, and field assignments can create risks beyond normal office work.
Hiring Changes the Business
Adding employees creates new insurance, payroll, classification, and compliance considerations for a growing firm.
Key Details Behind a Sound Policy
The right solution should reflect the firm’s actual services, agreements, people, projects, and growth plans.
Frequently Asked Questions
When does an engineering firm need workers' compensation insurance?
Requirements vary by state, number and type of employees, and business structure. Review the rules in every state where your employees work.
Does workers' compensation cover the owner of an engineering firm?
That depends on the state and business structure. Owners and corporate officers may be included, excluded, or allowed to elect coverage depending on applicable rules.
What if my engineering employees work remotely?
Remote work can create multi-state workers' compensation issues. The employee's work location and applicable state requirements should be reviewed.
Do subcontractors need workers' compensation?
That depends on their legal status, operations, state rules, and contract requirements. Firms should verify subcontractor insurance rather than assuming someone is properly covered.
How is workers' compensation pricing determined?
Premiums commonly reflect payroll, employee classifications, location, loss history, experience rating where applicable, and the carrier's filed rates and underwriting.
