Learn about coverage

In this section, you can learn about workers' comp, how rates are calculated, how to obtain coverage, steps you can take to try to reduce your premium, and more.

Premium and rate overview

Learn how your workers' comp premium and rates are calculated, and how premium discounts and DCBS assessments work.

Terrorism and catastrophe premium

These separate charges were created by Congress in recent years to cover the risks associated with foreign and domestic terrorism, earthquakes, and catastrophic industrial accidents.

The Assigned Risk Plan

Learn more about this coverage, which provides a guaranteed workers' comp insurance market for employers unable to secure coverage in the voluntary market.

Depending on your business, you may have questions about who is included under your policy or whether your policy may be endorsed to meet your coverage needs. Our Coverage details section helps explain the most common situations.