Encuentre el seguro de compensación de los trabajadores adecuado
Most states require workers' comp insurance. As your agent, we compare rates from leading carriers to find the right coverage for your business.¹ Our solutions:
- Meet state-mandated requirements
- Cover medical bills and lost wages from workplace injuries or illnesses
- Mantenga el cumplimiento y minimice los riesgos legales
Proteja su negocio
Workers' compensation coverage is not only legally required in most states but also offers essential protection for your business.
- Uninsured injuries and decreased employee productivity can harm your bottom line.
- Over 2.8 million workplace injuries and illnesses were reported by private industry employers, with more than 2.2 million cases resulting in lost workdays.2
- The coverage helps shield your business from potential liabilities related to employee injuries and illnesses.
¿Cuáles son las obligaciones con respecto a la compensación de los trabajadores en su estado?
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Unlock the Benefits of Our Workers' Comp Solutions
Opciones de facturación flexibles
Calculate premiums based on actual payroll each checkdate3, or pay your carrier directly in a lump sum or installment.
Pagos automatizados y renovaciones fáciles
Premiums are automatically deducted with each payroll run and sent directly to your carrier.3 Renewing your policy is simple. Policy renewals may result in an increase (or decrease) in premium based on any changes in the business or other factors.
Expert Support From Selection to Service
Our licensed Paychex Insurance Agency agents assess your business needs, compare coverage options and rates, and deliver a comprehensive insurance plan that aligns with your budget.
Nómina integrada
When combined with Paychex payroll, premiums are calculated from actual wages — not estimates — helping reduce the risk of unexpected fees and optimizing your cash flow.
Reporting and Certificate Access
Access monthly and year-end reports detailing wages, payments, and deductions. We also provide easy access to your Certificate of Insurance for workers' comp, general liability, auto, or umbrella policies.
Programa de seguridad
Maintain a safe work environment with the support of our off-site risk management team, who can handle medical treatment authorization, worker education, timely wage payments, and assist with return-to-work processes.
Inscripción sin esfuerzo
Protecting your business and employees with workers' compensation coverage is easy with Paychex. You can get coverage on its own, or add it to any of our payroll or HR packages for seamless automated payments and renewals.
Obtenga cobertura en 3 sencillos pasos
Reciba una consulta gratuita
Contact a licensed Paychex Insurance Agency representative to assess your business needs and compliance requirements.
Compare Coverage Options
We help you evaluate coverage options from leading carriers, compare rates, and customize a plan that aligns with your business and budget.
Secure the Coverage You Need
Obtain a comprehensive insurance plan at competitive rates, supported by expert guidance and convenient billing options.
Testimonios reales de empresas como la suya
"Teníamos otro tipo de programa de compensación de los trabajadores y descubrí muy pronto que, cuando no lo controlas bien durante el año, se puede acumular. [Ahora] sabemos con exactitud lo que pagamos al final del año y, honestamente, eso nos ayudó mucho con nuestro presupuesto".
— Audrey y Jordan Zybala, propietarios, Lago 210
Soluciones adicionales
Combining workers' comp with payroll, HR, and benefits on one platform eliminates juggling multiple vendors, logins, and support teams — saving you time and frustration.
Organización de empleadores profesionales (PEO, por sus siglas en inglés)
Our PEO plan includes workers' comp for comprehensive protection.
Employment Practices Liability
Safeguard against the financial costs of employment-related claims.
Póliza de propietario del negocio
Convenient bundle of general liability, property insurance and business interruption for small businesses.
Responsabilidad cibernética
Protect against financial losses from data breaches and cyberattacks.
Recursos adicionales para su empresa
Preguntas frecuentes sobre la compensación de los trabajadores
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¿Por qué necesito un seguro de compensación de los trabajadores?
¿Por qué necesito un seguro de compensación de los trabajadores?
Most states require businesses with employees to carry workers' comp insurance to cover work-related injuries or illnesses. It protects both employees and businesses from financial losses, lawsuits, and non-compliance with state regulations.
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¿Cuánto cuesta el seguro de compensación de los trabajadores?
¿Cuánto cuesta el seguro de compensación de los trabajadores?
The cost of workers' comp insurance varies based on factors such as business size, location, industry, and claims history. Rates and requirements also differ by state. On average, premiums range from a few hundred to a few thousand dollars annually per $100,000 in payroll. Integrating Paychex Payroll with our Workers' Compensation Payment Service can help reduce the risk of additional year-end payments by calculating premiums based on actual wages.
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Who Pays for Workers’ Compensation Insurance?
Who Pays for Workers’ Compensation Insurance?
Employers pay workers' comp premiums, which are calculated based on state requirements, payroll, risk exposure, industry, and work classification codes determined by the National Council on Compensation Insurance (NCCI) or state rating bureaus.
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¿Cuáles son los cuatro tipos de programas de compensación de los trabajadores?
¿Cuáles son los cuatro tipos de programas de compensación de los trabajadores?
The four main types of workers’ compensation programs are:
- Wage replacement (disability benefits): Covers a percentage of the employee's wages if they are temporarily or permanently unable to work.
- Medical treatment: Covers the costs of treatments related to the employee's workplace injury or illness.
- Vocational rehabilitation: Provides assistance to help injured or disabled employees return to work, including training, career counseling, and job search support.
- Other benefits: Includes death benefits paid to families if the employee dies from a work-related injury or illness.
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How Much Is Workers’ Compensation Insurance for Contractors?
How Much Is Workers’ Compensation Insurance for Contractors?
Si es trabajador independiente o propietario único, compruebe si su estado requiere que tenga cobertura de compensación de los trabajadores. Las primas de seguro variarán según factores como su ubicación, nóminas, el historial de reclamos y la clasificación del trabajo.
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¿Qué tipos de empleados, generalmente, no están cubiertos por los programas de compensación de los trabajadores?
¿Qué tipos de empleados, generalmente, no están cubiertos por los programas de compensación de los trabajadores?
Los estados describen sus propias exclusiones de la cobertura de compensación de los trabajadores, pero, por lo general, los contratistas independientes, los trabajadores independientes y los voluntarios no están cubiertos automáticamente.
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¿Es ilegal no tener seguro de compensación de los trabajadores?
¿Es ilegal no tener seguro de compensación de los trabajadores?
Find out if your state requires you to carry insurance for workers’ compensation. If your business doesn't have it but is required to, you could face costly penalties or even jail time, which vary by state. Securing a workers' comp policy is a good idea to protect your business and employees, even if not legally mandated.
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¿La compensación de los trabajadores se descuenta de su cheque de pago?
¿La compensación de los trabajadores se descuenta de su cheque de pago?
Workers' comp premiums are paid by the employer in a lump sum or installments. Some businesses may base their premium payments on actual wages by integrating their policy with payroll processing, where a specific amount is withdrawn from their payroll account each payday.
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What Is Workers’ Compensation And Why Is It Used?
What Is Workers’ Compensation And Why Is It Used?
Workers' compensation is an insurance that provides benefits to employees who suffer work-related injuries or illnesses. It covers medical expenses, lost wages, and rehabilitation costs, protecting both employees and employers from financial losses and legal liabilities.
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Do Small Businesses Need Workers’ Compensation Insurance?
Do Small Businesses Need Workers’ Compensation Insurance?
In most states, businesses with employees are required to carry workers' compensation insurance, regardless of their size. Even if not legally mandated, small businesses should consider coverage to protect against financial losses from workplace injuries.
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What Is Considered A Workers Compensation Injury?
What Is Considered A Workers Compensation Injury?
A workers' compensation injury is any injury or illness that occurs in the course and scope of employment. This can include accidents, repetitive stress injuries, occupational diseases, and mental health conditions caused by work-related stress.
