No matter the industry, accidents can happen on the job. Workers’ Compensation Insurance helps cover medical expenses, lost wages, and rehabilitation costs when an employee gets hurt at work. It also protects your business from costly lawsuits and penalties.

At Lumpkin’s Insurance Agency, we make it easy to get compliant coverage—and even easier to understand what you're paying for.

What Is Workers’ Comp?

Workers’ Compensation Insurance is a state-regulated policy that provides benefits to employees who suffer a work-related injury or illness. In exchange, employees generally waive the right to sue their employer for those injuries.

What Does It Cover?

✔️ Medical Expenses
Covers hospital bills, surgeries, prescriptions, and doctor visits after a workplace accident.

✔️ Lost Wages
Helps replace a portion of the employee’s income while they recover and are unable to work.

✔️ Rehabilitation Services
Pays for physical therapy and ongoing treatment to help employees return to work.

✔️ Death Benefits
Provides financial support to dependents if a workplace injury results in a fatality.

✔️ Employer Liability Protection
Shields your business from lawsuits related to covered employee injuries.

Why Your Business Needs It

Required by law in most states—even for businesses with just one employee

Helps attract and retain talent by showing you care about worker safety

Protects your business from lawsuits, penalties, and reputational damage

Gives your employees peace of mind knowing they’re covered if something goes wrong

Whether you're a contractor with a crew, a retail store with part-time help, or a startup hiring its first employee—workers’ comp isn’t optional. It’s essential.

Optional Enhancements & Services

We can help you explore add-ons like:

🔹 Return-to-work programs
🔹 Payroll reporting integration
🔹 Voluntary coverage for sole proprietors or partners
🔹 Multi-state policy coordination if you operate across state lines

Let’s Get You Covered

At Lumpkin’s Insurance Agency, we help businesses stay compliant, covered, and cost-effective. We'll walk you through the requirements and shop top-rated carriers to find a workers' comp policy that works for you—and your team.

👉 Call us today or request a quote to get started.