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.
As one of the nation’s leading carriers of workers compensation, we have the knowledge and resources necessary to:
The most effective way to lower your total cost of risk is to prevent accidents from happening. Our full slate of risk control services, backed by the world-class resources of the Liberty Mutual Research Institute for Safety, will help you do exactly that.
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.* 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.
Contact an independent agent or your broker to learn more about our workers compensation coverage.
*Internal 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
Workers Compensation & SmartVideo CommunicationsWatch to see how personalized SmartVideo communications can help educate and provide important workers compensation claims information to injured workers.
Injured Worker ToolkitAccess state-specific resources and forms for injured workers.
Policyholder ToolkitLearn about our pharmacy program, how to find medical providers, and access state-specific forms.
Medical Provider ResourcesVisit our provider support center for our medical bill process and additional information.
White Paper: Nurse Value in WC Claims Learn how our nurses help lower medical costs and resolve claims faster.
White Paper: Opioid Management in Workers CompensationLearn more about our approach to opioid management, which helps deliver better outcomes for customers and returns injured employees to work more quickly.