Workers Comp for Working From Home: Cost and Quotes From $25/mo

Remote work has become increasingly popular recently, with nearly 42% of the U.S. labor force working from home full-time. Examples of professionals that my work from home are architects, IT developers, consultants, and others.  While this provides many benefits, it also comes with its own set of risks. 

As the number of home based employees increases, so do the risks associated with this setup. From physical injuries caused by poor home office design to mental health issues arising from the lack of social interaction, remote work can impact an employee’s well-being in various ways. And so, workers compensation and remote employees go hand-in-hand. 

Moreover, with less control over their employees’ workspaces, employers may find ensuring a safe work environment challenging, increasing the risk of accidents and injuries. This article will explore the ins and outs of workers’ compensation working from home.

Do You Need Workers Compensation Insurance When Working From Home?

According to the U.S. Bureau of Labor Statistics, nearly 30% of all workplace injuries are caused by slips, trips, and falls. The likelihood of these types of injuries occurring has increased and this presses the significance of remote work and workers compensation coverage

Only 21% of companies surveyed provide workers compensation working from home insurance for their remote workers. This means that many remote workers may not be covered in the event of an injury.

Here are some reasons why workers comp working from home may be necessary:

  • Homeowners’ insurance policies often don’t cover injuries sustained while working from home

  • Workers’ compensation insurance can cover medical expenses, lost wages, and rehabilitation costs in the event of a workplace injury

  • Without remote work and workers’ compensation insurance, employers may be held liable for workplace injuries. They may face costly legal fees and penalties

It’s important to note that the specific requirements for workers’ compensation insurance vary by state, so it’s essential to check your state’s laws and regulations. However, in general, workers comp for employees working from home ensures that you are protected in case of a workplace injury.

Which Remote Fully Benefit From Work From Home Workers Comp?

According to a report by Global Workplace Analytics, approximately 56% of the U.S. workforce has a job compatible with remote work. This means workers compensation working from home policy can be very beneficial. Here are some who may fully benefit from workers comp for remote employees:

  • Telecommuters who work from home instead of an office

  • Freelancers or independent contractors who work from home for various clients

  • Small business owners who work from home

  • Employees who split their work time between an office and home

It is essential for remote employees working from home to fully benefit from workers compensation insurance to cover injuries that may result from excessive workloads. Because if not, the cost of treatment and lost wages will have to be shouldered by using personal money. 

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How Does Workers Compensation Insurance Help When You’re Injured Working From Home?

Here are some of the ways that workers comp for remote workers can help when you’re injured working from home:

Costs Covered by Workers’ Compensation Insurance Statistic
Medical expenses, including doctor visits, hospital stays, and medication In 2019, the average medical cost per workers’ compensation claim was $28,501.
Lost wages due to time off work for recovery In 2019, the average workers’ compensation indemnity payment per week for time off work was $930.
Disability benefits for long-term injuries or disabilities In 2019, the average workers’ compensation indemnity payment per week for permanent disability was $528.
Vocational rehabilitation to help you return to work In 2019, workers’ compensation vocational rehabilitation resulted in an average earnings increase of 87% for injured workers.


In addition to covering these costs, workers compensation for remote employees insurance can also provide benefits for the most common work-from-home injuries, including:

  • Repetitive motion injuries such as carpal tunnel syndrome or tendinitis can occur from typing on a computer or using a mouse for extended periods

  • Slip and fall injuries can occur if an employee trips over cords or other hazards in their home office. Because of this workers comp while working from home is very important

  • Back injuries can result from poor posture or lifting heavy objects

  • Eye strain which can occur from prolonged computer use

  • Mental health issues such as stress, anxiety, or depression, can be caused by the challenges of working from home

Remote work and workers compensation insurance can protect injured employees while working from home. By covering medical expenses, lost wages, and disability benefits, this type of insurance can help injured workers get the care and support they need to recover and return to work.

Are Employers Required by Law to Cover Remote Employees With Workers Compensation Insurance?

Yes, in many cases, employers are required by law to cover remote employees with workers compensation insurance. Some important points to consider are:

  • All 50 U.S. states require employers to provide workers’ compensation for remote workers. However, the specific requirements can vary depending on the state

  • Remote employees may still be considered “employees” under workers’ compensation laws.

  • Injuries sustained while working from home may be covered under workers’ compensation insurance if they arise out of and during employment. For example, if an employee is injured while performing a work-related task at home, such as typing on a computer or answering a phone call, the injury may be covered under working from home and workers compensation

  • Employers may need to ensure workers’ compensation insurance covers remote employees. This may include reviewing state laws, updating insurance policies, and providing clear guidance to remote employees on reporting workplace injuries

  • Failing to provide workers’ compensation insurance coverage to remote employees who are legally entitled to it can result in fines, penalties, and legal liability for the employer

  • In some cases, employers may be able to exclude certain remote employees workers compensation insurance coverage, such as independent contractors or freelancers. However, this can be a complex legal issue. Employers should seek guidance from an attorney or insurance professional before making any decisions

Employers are legally responsible for providing workers’ compensation working from home coverage to their employees. By understanding the legal principles and requirements surrounding workers compensation and working from home, employers can help ensure that they comply with the law and protect their workers.

A woman working from home, typing on a laptop at a desk.

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How Much is Workers Compensation Insurance for Remote Workers? 

Workers compensation insurance for remote workers is $46 per month or $552 per year. The cost of your actual workers compensation insurance for remote workers can vary depending on several factors. Here are the factors to consider when thinking of the cost of work from home workmans comp:

  • State–The average workers’ compensation insurance rates can vary significantly by state. 

  • Industry–Some industries have higher workers’ compensation insurance rates than others due to the nature of the work involved

  • Job duties–The specific job duties of remote workers can also affect the cost of workers’ compensation insurance. For example, if a worker is engaged in manual labor, the cost of workers’ compensation for remote workers may be higher than if the worker is engaged in office-based tasks

  • The number of employees–The more a company has, the higher the workers’ compensation insurance cost will be. However, some insurance providers may offer discounts for companies with a more significant number of employees

It is difficult to state how much you’ll really pay on workers compensation for remote workers. You can work with an experienced insurance provider to get a more accurate estimate.  Here’s a table showing the rates of the companies we recommend:

Cost per Month Cost per Year Best for
NEXT $13 $156 Best overall; Fast workers compensation insurance quote
Tivly $25 $300 Comparing workers compensation insurance quotes over the phone
Thimble $25 $300 Flexible payment options
Ap Intego $30 $360 Small businesses
The Hartford $34 $408 Trusty workers comp coverage
CoverWallet $35 $420 Comparing workers compensation insurance quotes online
Pie $35 $420 Workers comp for remote employees with a preferred medical provider network
Embroker $40 $480 Tech-driven approach
Hiscox $50 $600 Quick application process


In another note, you can also make working from home and workers compensation easier by working with the best carrier. Compare quotes by clicking the “Get Quotes” button on this page. 

Compare Workers Compensation Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Companies for Work from Home Workers Comp

Here are some of the best insurance companies for working from home workers comp insurance. Read some of the reviews below to know their pros, cons, and average cost.


NEXT

Pros

  • Fast coverage-Get a quote within minutes

  • Dedicated customer service-NEXT has a dedicated customer service team you can quickly reach anytime 

  • Policy bundle discounts-NEXT offers a discount if you decide to bundle your work from home workers comp with other policies

Cons

  • Couldn’t find any

NEXT is an insurance company that offers a 100% online process when you’re purchasing work from home workers comp. You can bundle your workers comp coverage with other business insurance sold by this company. 

Best for: Best overall; Fast workers compensation insurance quote

Average cost: $13 per month 

Our rating: 10/10


The Hartford

Pros

  • Renowned underwriter–The Hartford is known to be one of the best underwriters for workers comp coverage

  • Covers specialized business lines–Trust that this company can give you workers comp coverage if you’re a remote employee with specialized needs

Cons

  • You might need to contact an agent to get a quote 

The Hartford is a renowned underwriter for workers comp insurance. It’s dubbed as the second best insurer for workers comp insurance in the United States. This company also sells it’s workers comp coverage as a pay-as-you-go policy. 

Best for: Trusty workers comp coverage

Average cost: $34 per month 

Our rating: 10/10


CoverWallet

Pros

  • Customized policies for each industry–CoverWallet tailors its policies to meet the specific needs of each industry, ensuring that you get the coverage you need

  • Easy-to-use online platform–CoverWallet’s online platform makes it easy to purchase and manage your workers’ compensation policy, even if you have little experience with insurance

  • Competitive pricing–CoverWallet’s pricing is competitive, making it a good option for affordable coverage

Cons

  • Limited coverage for certain professions: CoverWallet’s coverage may not be available for certain professions or industries, so it may not be the best option for everyone.

  • Limited customization: CoverWallet’s policies may not be as customizable as other options, which could be a drawback for those with unique needs

CoverWallet provides workers’ compensation insurance tailored to your industry and business needs. They offer competitive pricing and an easy-to-use online platform to manage your policy.

Best for: Comparing workers compensation insurance quotes online 

Average cost: $35 per month

Our rating: 8/10


Tivly

Pros

  • Personalized helpr–Tivly assigns a representative that will help you throughout the workers comp purchase process

  • Vast options available–Tivly takes you to different partners that offers workers comp for remote employees

Cons

  • You can’ get a quote online 

Tivly is an insurance broker. You can get your workers comp coverage from different insurance companies with the help of a representative. The representative will answer all your questions about policy limits and exclusions. Call a representative now to compare quotes over the phone. 

Best for: Comparing workers compensation insurance quotes over the phone 

Average cost: $25 per month 

Our rating: 9/10


Thimble

Pros

  • Flexible payment options–Thimble allows you to choose the payment option that suits you best, whether it’s monthly, hourly, or on-demand. This flexibility can be beneficial for those working sporadically or with irregular incomes

  • Easy online purchase and management–Thimble’s online platform makes it easy to purchase and manage workers’ compensation working from home policy. You can get a quote, purchase your policy, and manage your coverage all from one place

  • No long-term contracts–Thimble does not require long-term contracts, meaning you can cancel your policy anytime without penalties or fees

Cons

  • Limited coverage for certain professions–Thimble’s coverage may not be available for certain professions or industries, so it may not be the best option for everyone

  • Limited customization–Thimble’s policies may not be as customizable as some other options, which could be a drawback for those with unique needs

Thimble offers flexible coverage with monthly, hourly, or on-demand payment options. They also have an online platform to make it easy for you to purchase and manage your policy.

Best for: Flexible payment options

Average cost: $25 per month 

Our rating: 9/10


Hiscox

Pros

  • Flexible payment options–Hiscox offers flexible payment options for its workers’ compensation insurance, which can be useful for those with irregular incomes or cash flow

  • Quick and easy online application–Hiscox’s online application process is quick and easy, allowing you to get coverage without spending much time on paperwork

  • Customizable policies–Hiscox’s policies can be customized to meet your specific needs, ensuring you get the coverage you need

Cons

  • Higher average cost than some other options–Hiscox’s pricing may be higher than others, which could be a drawback for those looking for affordable coverage

  • Limited coverage for certain professions–Hiscox’s coverage may not be available for certain professions or industries, so it may not be the best option for everyone

Hiscox offers a range of business insurance policies, including workers’ compensation insurance, with flexible payment options and a quick online application process.

Best for: Quick application process

Average cost: $50 per month 

Our rating: 8/10


Embroker

Pros

  • Customizable policies–Embroker’s policies are customizable, allowing you to get the coverage you need without paying for extras you don’t need

  • Online platform for managing coverage–Embroker’s online platform makes it easy to manage your workers’ compensation coverage, even if you have little experience with insurance

  • Tech-driven approach–Embroker uses technology to streamline the insurance process, making it faster and more convenient for customers

Cons

  • Higher average cost than some other options–Embroker’s pricing may be higher than some other options, which could be a drawback for those looking for affordable coverage

  • Limited coverage for certain professions–Embroker’s coverage may not be available for certain professions or industries, so it may not be the best option for everyone

Embroker offers a modern, tech-driven approach to workers compensation for remote employees’ insurance, with customizable policies and an online platform for managing your coverage.

Best for: Tech-driven approach

Average cost: $40 per month 

Our rating: 9/10 


AP Intego

Pros

  • Tailored coverage for small businesses–AP Intego specializes in providing tailored workers’ compensation insurance coverage for small businesses, making it a great option for those with unique coverage needs

  • Easy online application process–AP Intego provides an easy online application process, making it quick and straightforward to obtain coverage

  • Flexible payment options–AP Intego offers flexible payment options, allowing businesses to choose a payment plan that works best for them

Cons

  • Limited coverage for certain professions–Like other options on this list, AP Intego may not provide sufficient coverage for specific professions or industries, which may concern businesses in those fields

AP Intego provides tailored workers’ compensation insurance coverage for small businesses, with an easy online application process and flexible payment options.

Best for: Small businesses

Average cost: $30 per month 

Our rating: 8/10


Pie Insurance

Pros

  • Competitive pricing–Pie Insurance offers workers’ compensation insurance at competitive prices, making it an excellent option for businesses on a tight budget

  • Easy online application process–Pie Insurance provides an easy online application process, making it quick and straightforward to obtain coverage

  • Licensed agents available for assistance–Pie Insurance has a team of licensed agents to assist with any questions or concerns

Cons

  • Limited coverage for certain professions–Pie Insurance may not provide sufficient coverage for certain professions or industries, which may be a concern for businesses in those fields

Pie Insurance offers working from home workers compensation insurance for small businesses with competitive pricing and an easy online application process. They also have a licensed agent team to assist with any questions.

Best for: Workers comp for remote employees with a preferred medical provider network

Average cost: $35 per month 

Our rating: 9/10

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