Login MENU Home> Employers> About Workers' Compensation - Republic Indemnity Pay Your Premium Report an Injury Claims Claims Contacts Medical Provider Network - California Claims Forms & Posting Notices Claims Resources Fighting Fraud Loss Control Posters Bulletins Loss Control Resources Safety Websites Required Posting Notices Safety Training Items of Interest About Workers' Compensation - Republic Indemnity Regulatory Changes Payroll Reporting & Premium Adjustments Premium Components & Calculation Glossary Coronavirus Disease COVID-19: Safety at Work FAQ About Workers' Comp What is workers’ comp? Workers’ compensation provides no-fault coverage for employees sustaining an injury or illness on the job, which can result from a specific work-related accident or may occur over time during the course and scope of employment. All 50 states have workers’ compensation laws. What does the coverage include? Although the exact benefit levels vary by state, the statutory benefits available to injured workers include medical care to treat the injury, as well as indemnity payments for a portion of lost wages. Do all businesses need workers’ comp? Workers’ compensation laws are compulsory in all states except New Jersey and Texas. In New Jersey and Texas the workers’ compensation laws are elective and allow the employer to “opt in or opt out”. The employer is responsible for the cost of workers’ compensation insurance and cannot legally require an employee to pay any of this cost. Sitemap Careers Legal Disclosures Report Fraud Privacy Employee Login © 2021 Republic Indemnity Company of America. All rights reserved.