Engraving work involves risks that most business owners underestimate: laser UV and IR exposure, fumes from engraving certain metals and plastics, repetitive hand motions, and heavy lifting. Workers compensation insurance is required by law in almost every state the moment you hire your first employee — and it protects both your team and your business.
Emergency care, surgery, ongoing treatment for work-related injuries and illnesses. No out-of-pocket cost to the employee.
Typically 60–66% of the worker's average weekly wage while they're unable to work due to the injury.
Lump-sum or ongoing payments if the injury results in permanent impairment.
Retraining assistance if the employee can't return to their previous engraving role.
Benefits to surviving dependents if a workplace accident is fatal.
In most states, yes. The requirement typically kicks in the moment you have any W-2 employees, whether full-time or part-time. Requirements vary by state — we'll confirm your state's threshold.
Workers comp insurers investigate disputed claims. Your insurer handles the investigation and defense. That's one of the core values of having workers comp — it removes you from the middle of employee injury disputes.
Only if they're classified as employees. True independent contractors are not covered. However, if a contractor doesn't carry their own workers comp and they're injured on your premises, you could be liable — so we often recommend verifying subcontractor COIs.
Rates are based on payroll and employee classification. Tell us about your team.
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