Workers’ compensation coverage

Workers’ compensation insurance provides medical care for employees, reimbursement for lost wages and more after a work-related injury and illness. Here are a few examples of when your employees may need this coverage:

  • After a work-related car accident
  • Hearing loss from exposure to loud noises
  • Injuries sustained from a fall

Get more with Grange

Grange workers' compensation coverage provides expert assistance that can prevent accidents. It can also ease medical costs and shorten recovery time. Our services include:

Medical care management

  • Retail pharmacy card program
  • Prescription medication triage program
  • Prescription first-fill program
  • Nurse care management
  • Vocational rehabilitation services

Specialized services

  • Expert claims team and convenient claim reporting
  • Special Investigations Unit to prevent fraud
  • Cost management services

Risk management

  • Consultative risk management services
  • Ergonomic evaluations
  • OSHA compliance assistance
  • Fall protection training
  • Workplace safety program development
  • Training to reduce workplace accidents
  • And more

Workers’ compensation frequently asked questions

Workers’ compensation insurance is mandatory for most businesses and each state has different requirements. Speak with your independent agent and visit your state’s workers’ compensation website to determine if this coverage is required for your business.

Working with an independent agent is the best way to find the right insurance for your business. Your agent can suggest and explain the coverages you need.

Factors like the size of the business, payroll and claim history can impact workers’ compensation rates. Grange provides customized options for your business. Talk to your independent agent to learn more.

In the event of a workplace injury or illness, here are steps to file a workers’ compensation claim: 

  1. Ensure that your employee receives any necessary medical care.
  2. Report the incident to your workers’ compensation insurance provider as soon as possible.
  3. After you report your claim, a representative will contact you to gather additional details and discuss the incident.
  4. Following your conversation with a claim representative, you may need to submit additional information about the incident. Your representative will inform you of what that information is.
  5. Your claim representative will submit any required paperwork to your state’s Bureau of Workers’ Compensation and stay in touch with you regarding the status of your claim.
Read more workers’ compensation FAQs

Read reviews from business insurance customers

Our agent worked super hard on getting us the coverage we needed at a very affordable rate. I could not ask for better service as we have continued our relationship.

– A contractor in Ball Ground, GA

Customer service is very attentive and recommends things you have to do after a claim.

– A candy shop in La Grange, IL


I’ve been with Grange for several years. They provide my vehicle and contractor insurance. They are always there and always prompt.

– A painting contractor in Pittsburgh, PA

Why we work with independent agents

They work for you to find the right coverage

Independent agents work for you. They consider the type of insurance your business needs to be properly protected and find the best options for you.

It’s easier to comparison shop

Working with an independent agent makes it easy to compare policies and ask questions. You won’t have to wonder if you’re on the right track in your hunt for comprehensive insurance, since you’ll have an expert in your corner each step of the way.


Learn more about our partnership with independent agents

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan* and Grange Property & Casualty Insurance Company*. *Not licensed in Pennsylvania