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Workers Compensation Business

Workers Compensation is required by law whenever there are employees present. You may need it even if you are a sole proprietor.

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  • Business owners
  • State laws dictate who is required to purchase
  • Some sole proprietors


  • Medical expenses
  • Time-off-work (disability / indemnity)
  • Death

Cost Factors

  • Payroll
  • Type of work
  • Experience modification:  Your rates will be multiplied by a factor based on your claim history.  If you have had lots of claims that factor will be over 1 and increase your rates.  Your agent can make sure your modification factor truly reflects your claim history.

Claim Examples

Provides insurance coverage to employees who are injured or become ill while working for you.  It also pays death benefits to families of employees who are killed on the job.  The coverage is mandated by each state and the wage and medical benefits vary by state.  Coverage is  required if you’re a corporation and/or have employees.

Make sure you obtain certificates of insurance from all subcontractors and vendors. If you don’t have them at the time of an audit, you may end up paying for workers compensations insurance for them. Coverage varies from state to state, so make sure your policy covers you in all states you do business.