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Workers’ Compensation Insurance

factory worker

What is Workers’ Compensation Insurance?

Workers’ Compensation Insurance can help protect employees from the serious costs of work-related injuries while also helping shield employers from claim costs that could put their business operations at risk.

Did you know a worker is injured on the job every seven seconds? That equates to 4.6 million workplace injuries each year.1 The Occupational Safety and Health Administration (OSHA) estimates employers pay nearly $1 billion per week in workers’ compensation costs.2

In addition to covering medical benefits and wage replacement for employees injured on the job, this insurance can provide benefits to dependents of employees fatally impacted by work-related incidents and help mitigate litigation, including civil suits brought against employers by injured workers.

Why Zurich?

We understand your company’s workforce is the backbone to keep the business operating. As a result, our solutions go beyond insurance and may include a risk management strategy focused on worker safety to help reduce injuries and their impact on your business. In addition, Zurich has the regional knowledge to take on the challenges of workers’ compensation regulations that vary from state to state so you can focus on running your business.

Before the injury

> Risk Engineering
The path to fewer workers’ compensation claims begins with a strong workplace safety program. Our Risk Engineering team can help you with insights, resources and training opportunities that can help reduce your risk.

After the injury

> Customer Care Center
The response after a workplace injury claim is made is why you buy insurance. Zurich’s 24/7 Customer Care Center, Workplace Injury Triage services and top-tier NPS® (Net Promoter Score)3 show we’re ready when you need us most.

Closing the case

> Litigation Management
From in-house managed care and return-to-work programs to litigation management and recovery services, our goal is to help you get employees back on the job quickly, safely and at reduced costs.


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Essential coverage

Zurich provides Workers' Compensation Insurance in all non-monopolistic jurisdictions, and through our Stop-Gap coverage and global capabilities, we can offer service no matter where your employees work. From medical care for injured workers to wage-loss replacement to employers’ liability provisions, we can help provide the protection you and your workforce require.

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Risk insights

Reducing your risk means understanding it. Zurich’s Risk Engineering team offers tools and training that address some of the most common factors that lead to injuries on the job. Whether it’s slip, trip and fall safety  guidance or raising awareness on best ergonomic office practices, our specialists will help empower your people to know the actions they need to take to stay safe.

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Medical management

You want employees who are hurt on the job to get the care they need. You also want to keep medical-related costs under control and stay on target for return-to-work goals. We have specialists and programs in place to help meet all these needs. With customer-focused services like Workplace Injury Triage and Narcotic Evaluation, we work with you to ensure the right treatment and accurate billing.

Related industry and insurance

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1 National Safety Council. “Workplace injuries by the numbers.” 2019.
2 U.S. Department of Labor/Occupational Safety and Health Administration. “Business case for safety and health.” Accessed 18 October 2019.
3 Zurich North America TNPS for First Notice of Loss and Closed Claims 2019.