Workers’ Compensation insurance

The coverage, service, and resources you need if accidents happen, to get your employees’ lives and your business back to normal.

a collage of photos depicting several employees from food service, shipping and receiving and contractors who would benefit from workers compensation insurance

Workers’ Compensation insurance is an important tool for both businesses and employees.

If an accident happens, Workers’ Compensation insurance covers your business and employees for medical bills, lost wages, as well as survivor benefits.

At SECURA, we’ll provide immediate assistance in the event of an injury, and provide communication and consistent progress monitoring, focusing on helping your staff return to work and control costs.

Features of Workers’ Compensation insurance

Nurse Hotline

SECURA’s Nurse Hotline provides your employees with 24/7 access to a registered nurse if an injury occurs on the job. A registered nurse will determine the nature of the injury and, if appropriate, transition your employee to a telemedicine physician who specializes in work-related injuries and illnesses — eliminating their need to travel and spend hours in an urgent care or emergency room facility. It’s an easy and efficient way to get your employees the care they need so they can stay on the job.

About Nurse Hotline

Return-to-Work program

SECURA’s Return-to-Work program helps injured employees get back on track, improving their recovery time, reducing time off work, and also leading to reduced workers’ compensation costs. Once a claim is filed, our claim representatives will work directly with all involved to help minimize the emotional and economic impact that can occur when a workplace injury takes place.

Crisis Care

When a workplace incident turns from injury to tragedy, it can result in emotional trauma for all involved and require psychological support, in addition to any medical treatment. At SECURA, Crisis Care is included with every Workers’ Compensation policy.

Our Crisis Care service provides:

  • Qualified evaluation. An accredited call center will help determine the next steps.
  • Convenience. Master-level behavioral health specialist trained in trauma provides on-site visits as needed.
  • Customized support. Receive small and large group or individual psycho-educational care as needed.

SECURA works with many types of industries, providing Workers’ Compensation solutions for businesses of all sizes.

Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

Policyholder benefits that work

Smiling young male call center agent smiling while taking a support call at work

Multilingual services

Our multilingual services remove communication barriers and provide claimant access to claims representatives and translators fluent in additional languages.
Pharmacist handing customer prescription in drug store

Prescription drug card

Injured employees pay nothing out of pocket when they use a SECURA prescription drug card accepted in more than 58,000 pharmacies nationwide.
Young woman working in claims support center takes calls on headset while looking at computer screen

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. We’ll call within one hour of receiving the claim to help begin the process and deliver a prompt response to the claims.

Commonly asked questions about Workers’ Compensation insurance

What is Workers’ Compensation insurance?

Workers’ Compensation insurance helps provide coverage for medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill while working, as well as death benefits for families of employees who are killed on the job. It also provides resources to medical professionals during rehabilitation.

Who needs Workers’ Compensation insurance?

Most states legally require Workers’ Compensation insurance. Some states require it even if you are self-employed or a sole proprietor. Depending on the state you are located in, specific laws govern how much coverage you must purchase, who must be covered, and how to report claims. Therefore, it is essential to discuss your insurance needs with your local insurance agent to ensure you comply with all applicable laws of your state.

How does Workers’ Compensation insurance work?

Workers’ Compensation insurance protects employees by providing benefits to help them recover if they are injured at work or develop an illness related to their work. For example, if an employee trips and falls, develops a physical disability from repetitive work activities, or is injured in an accident while on work-related business, Workers’ Compensation insurance can help cover the costs of treatment and recovery.

Who pays for Workers’ Compensation insurance?

The employer is responsible for covering the cost of Workers’ Compensation insurance, and is not allowed to withhold or collect any money from employees or any other person to cover this expense. It is the employer’s responsibility to ensure employees are provided with Workers’ Compensation coverage benefits in the event of any work-related injury or illness. Failure to do so can result in significant fines and penalties.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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