​Workers Compensation Insurance


Protecting Your Employees and Your Business

A key part of running your business is keeping employees safe at work. However, if a worker does suffer an injury, workers compensation coverage provides you and your employees with important protection.

Workers compensation coverage is a state-mandated insurance program that covers lost wages and medical treatment resulting from an employee’s work-related injury or illness. It also covers services needed to help an employee recover and return to work.

A Leader in Workers Compensation

At Liberty Mutual Insurance, we have the knowledge and resources necessary to:

  • Assist injured workers in obtaining necessary medications for work-related injuries without out-of-pocket expenses
  • Deliver top claims services with consistently superior outcomes
  • Provide quality, affordable treatment for injured workers from our network of local medical providers

Proactive Risk Control Solutions

The most effective way to lower your total cost of risk is to prevent accidents from happening. Our full slate of risk control services will help you do exactly that.

Resolving Claims Effectively and Efficiently

We know that every minute of lost productivity hurts your business, so we take pride in the fact that we close claims faster and at lower cost than the industry average.1 Our expertise results in fewer days out of work for your employees and a significantly lower cost of risk for your business.

By employing highly trained specialists and sophisticated modeling techniques, we resolve claims quickly and effectively. Learn more about our claims services.

Looking for an integrated solution to also manage non-work related injuries?  Learn more about our group disability and absence management employee benefits offerings.

Learn More

Contact an independent agent or your broker to learn more about our workers compensation coverage.

1Internal analysis of 2014 data published by SNL Financial. Cost per claim based on 10-year ultimate average.

This is a general description of coverages. Not all coverages are available in all states. Contact an independent agent or your broker for policy terms, conditions, and exclusions.

​Find a Medical Provider

We can help you find a doctor:

For AR, CA, CT, ME, NE, NH, NJ, NY,
SD, TN, and TX, call us:


All other states:
Find a medical provider online

 Find an Agent

​Quick Links

Workers Compensation & SmartVideo Communications
Watch to see how personalized SmartVideo communications can help educate and provide important workers compensation claims information to injured workers.

Injured Worker Toolkit
Access state-specific resources and forms for injured workers.

Policyholder Toolkit
Learn about our pharmacy program, how to find medical providers, and access state-specific forms.

Medical Provider Resources
Visit our provider support center for our medical bill process and additional information.

Managing Opioid Use in Workers Comp Claims
Learn more about opioid abuse among injured workers and how Liberty Mutual is helping to tackle this growing issue.