{"id":51549,"date":"2025-07-01T11:22:07","date_gmt":"2025-07-01T17:22:07","guid":{"rendered":"https:\/\/www.fliprogram.com\/?p=51549"},"modified":"2025-11-25T10:44:44","modified_gmt":"2025-11-25T17:44:44","slug":"workers-compensation-101","status":"publish","type":"post","link":"https:\/\/www.fliprogram.com\/blog\/workers-compensation-101","title":{"rendered":"What Is Workers Compensation Insurance? What Every Food Business Owner Needs to Know"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"51549\" class=\"elementor elementor-51549\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c3a614 e-flex e-con-boxed e-con e-parent\" data-id=\"7c3a614\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f7ae57a elementor-widget elementor-widget-text-editor\" data-id=\"f7ae57a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You\u2019ve probably heard of workers compensation \u2014 or workers comp \u2014 before. These laws are designed to ensure employees injured on the job get the financial support they need while reducing your liability as their employer.<\/p><p>Workers compensation insurance goes hand in hand with these laws. This guide answers some of the most common questions about workers comp coverage for food and beverage businesses to give you the information you need to support your employees, meet legal requirements, and safeguard your business from claims!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a11d938 e-flex e-con-boxed e-con e-parent\" data-id=\"a11d938\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c0df65 elementor-widget elementor-widget-heading\" data-id=\"9c0df65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is Workers Compensation Insurance and What Does It Cover?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5303136 elementor-widget elementor-widget-text-editor\" data-id=\"5303136\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Workers compensation insurance covers the cost of state-required benefits for your employees\u2019 work-related injuries, accidents, and illnesses.<\/p><p>It\u2019s important to note that work-related illnesses don\u2019t refer to someone catching a cold while on the job. Instead, they are the direct result of the employee\u2019s work duties, like developing asthma after constant exposure to flour dust.<\/p><p>While exact benefits vary between states, the following expenses are typically covered:<\/p><ul><li><strong>Medical bills<\/strong><\/li><li><strong>Lost wages<\/strong><\/li><li><strong>Disability benefits<\/strong><\/li><li><strong>Death benefits<\/strong> (e.g., funeral costs)<\/li><li><strong>Employers liability<\/strong> (<a href=\"#employers-liability\">more on this later<\/a>)<\/li><\/ul><p>\u00a0<\/p><p>Workers comp doesn\u2019t just ensure your employees get the financial support they need to rehabilitate and re-enter the workforce after an incident. It also protects you and your business from the potentially catastrophic cost of these claims.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8a5684 e-flex e-con-boxed e-con e-parent\" data-id=\"c8a5684\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14d9107 elementor-widget elementor-widget-image\" data-id=\"14d9107\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"390\" src=\"https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP-1024x390.webp?strip=all\" class=\"attachment-large size-large wp-image-50849\" alt=\"Workers Compensation What does it cover vs not cover\" srcset=\"https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP-1024x390.webp?strip=all 1024w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP-300x114.webp?strip=all 300w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP-768x292.webp?strip=all 768w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP-1536x584.webp?strip=all 1536w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP-2048x779.webp?strip=all 2048w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP.webp?strip=all&amp;w=512 512w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP.webp?strip=all&amp;w=1280 1280w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP.webp?strip=all&amp;w=1792 1792w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP.webp?strip=all&amp;w=2304 2304w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP.webp?strip=all 2560w, https:\/\/images.fliprogram.com\/u\/2025\/06\/10092308\/WC-infographic-FLIP.webp?strip=all&amp;w=450 450w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10929ec elementor-widget elementor-widget-text-editor\" data-id=\"10929ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tFLIP\u2019s workers compensation policy contains two parts to provide the most comprehensive protection for your business. Let\u2019s take a look at how each one works when a claim occurs. \t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b012fc4 elementor-widget elementor-widget-heading\" data-id=\"b012fc4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Part One: Workers Compensation<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22cff1c elementor-widget elementor-widget-text-editor\" data-id=\"22cff1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>This part of the policy is exactly what it sounds like: <strong>it covers the cost of workers compensation benefits your state requires you to pay after a claim<\/strong>. You may also see it referred to as Coverage A.<\/p><p>Because each state has its own laws regarding benefits, this part of the policy doesn\u2019t have standard <a href=\"https:\/\/www.fliprogram.com\/insurance-glossary\/coverage-limits\">coverage limits<\/a> like other types of insurance. Instead, the limit is determined by your state.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36ff0c1 elementor-widget elementor-widget-heading\" data-id=\"36ff0c1\" data-element_type=\"widget\" data-e-type=\"widget\" id=\"employers-liability\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Part Two: Employers Liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e3bc4c elementor-widget elementor-widget-text-editor\" data-id=\"5e3bc4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Food Liability Insurance Program\u2019s (FLIP) workers compensation policy also includes a section called Employers Liability, or Coverage B. This part of the policy <strong>protects you if an injured or ill employee sues you for negligence<\/strong>.<\/p><p>Generally, your employees give up their right to sue you for negligence by accepting workers compensation benefits. However, some states have given this right back to workers in specific situations, such as suing for damages that aren\u2019t covered by your state\u2019s benefits.<\/p><p>That\u2019s why having a policy that includes both Part One: Workers Compensation and Part Two: Employers Liability is crucial. Part Two is designed to protect you financially if your employee decides to sue you, covering costs like:<\/p><ul><li><strong>Attorney\u2019s fees<\/strong><\/li><li><strong>Settlements<\/strong><\/li><li><strong>Judgments<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3f9bac2 e-flex e-con-boxed e-con e-parent\" data-id=\"3f9bac2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c5308c0 elementor-widget elementor-widget-image\" data-id=\"c5308c0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event-768x512.webp?strip=all\" class=\"attachment-medium_large size-medium_large wp-image-51555\" alt=\"Two catering servers place plates with decorative napkins on a table at a wedding reception.\" srcset=\"https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event-768x512.webp?strip=all 768w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event-300x200.webp?strip=all 300w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event-1024x683.webp?strip=all 1024w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all 1200w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=120 120w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=240 240w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=360 360w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=480 480w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=600 600w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=840 840w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=960 960w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01102518\/servers_setting_table_at_event.webp?strip=all&amp;w=1080 1080w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af7eb09 e-flex e-con-boxed e-con e-parent\" data-id=\"af7eb09\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8b64183 elementor-widget elementor-widget-heading\" data-id=\"8b64183\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who Needs Workers Compensation Insurance?\n<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bca675 elementor-widget elementor-widget-text-editor\" data-id=\"4bca675\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In most states, <strong>if you have one or more employees, workers compensation coverage is mandatory<\/strong>. Texas is the only state that does not require employers to get this insurance at all. However, it\u2019s still highly recommended to protect yourself against the cost of employee injuries and lost wages.<\/p><p>Workers compensation claims can be extremely expensive, costing tens of thousands of dollars. From 2021\u20132022, the National Council on Compensation Insurance (NCCI) found the <a href=\"https:\/\/injuryfacts.nsc.org\/work\/costs\/workers-compensation-costs\/#:~:text=The%20unit%20statistical%20data%20were,in%202021%2D2022%20was%20$44%2C179.\" target=\"_blank\" rel=\"noopener\">average workers compensation claim was $44,179<\/a>.<\/p><p>Most businesses cannot afford a claim like this, which is why most states require insurance. If your employee needs to receive workers compensation benefits, the policy is designed to cover those costs so you don\u2019t have to.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa73428 elementor-widget elementor-widget-text-editor\" data-id=\"fa73428\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>See more <a href=\"http:\/\/www.fliprogram.com\/blog\/workers-comp-stats\">workers compensation stats<\/a> that prove why insurance is critical for your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ea64b3 elementor-widget elementor-widget-heading\" data-id=\"5ea64b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Monopolistic vs. Competitive States\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d92c17 elementor-widget elementor-widget-text-editor\" data-id=\"3d92c17\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Most states are considered competitive states, meaning you can buy workers compensation coverage from a state fund or a private insurance company like FLIP.<\/p><p>However, there are four states that only allow you to buy this coverage through a state fund. These monopolistic states are:<\/p><ul><li><strong>North Dakota<\/strong><\/li><li><strong>Ohio<\/strong><\/li><li><strong>Washington<\/strong><\/li><li><strong>Wyoming<\/strong><\/li><\/ul><p>\u00a0<\/p><p>If you live in a monopolistic state, you can\u2019t get workers compensation insurance from FLIP or any other private insurer. Monopolistic state funds typically only include workers compensation coverage, so you may need to buy a separate employers liability policy if you want that protection.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a640833 elementor-widget elementor-widget-heading\" data-id=\"a640833\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Minimum Employee Requirements by State\n<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8df13c8 elementor-widget elementor-widget-text-editor\" data-id=\"8df13c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tCheck out the map below to determine whether your state requires you to carry workers compensation insurance depending on the number of employees on your payroll.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c861ef elementor-widget elementor-widget-image\" data-id=\"2c861ef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"934\" src=\"https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map-1024x934.webp?strip=all\" class=\"attachment-large size-large wp-image-51544\" alt=\"\" srcset=\"https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map-1024x934.webp?strip=all 1024w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map-300x274.webp?strip=all 300w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map-768x701.webp?strip=all 768w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map-1536x1402.webp?strip=all 1536w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map-2048x1869.webp?strip=all 2048w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=495 495w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=1486 1486w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=1981 1981w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=2477 2477w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=2972 2972w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=3467 3467w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=3963 3963w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all&amp;w=4458 4458w, https:\/\/images.fliprogram.com\/u\/2025\/06\/30134417\/Workers-Comp-Map.webp?strip=all 4954w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-870f03b elementor-widget elementor-widget-heading\" data-id=\"870f03b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exemptions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87dd137 elementor-widget elementor-widget-text-editor\" data-id=\"87dd137\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In some instances, you are exempt from providing coverage for your workers. These exemptions tend to fall into two categories: the type of workers you hire and the number of workers you have.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-186a1c6 elementor-widget elementor-widget-heading\" data-id=\"186a1c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Type of Workers<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a007144 elementor-widget elementor-widget-text-editor\" data-id=\"a007144\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Workers compensation typically only covers full- or part-time employees. This may not include:<\/p><ul><li>Independent contractors<\/li><li>Freelance workers<\/li><li>Volunteers<\/li><\/ul><p>\u00a0<\/p><p>Every state is different, so some states do require you to carry insurance if your workers fall into these categories. For example, Louisiana\u2019s laws <a href=\"https:\/\/www.independentcontractorcompliance.com\/2024\/06\/03\/can-you-cover-independent-contractors-with-workers-compensation-insurance\/#:~:text=It%20is%20important%20to%20bear,will%20provide%20workers&#039;%20comp%20insurance.\" target=\"_blank\" rel=\"noopener\">require employers to cover independent contractors<\/a> if their job duties include considerable manual labor.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6984d55 elementor-widget elementor-widget-heading\" data-id=\"6984d55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Number of Workers<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e89994e elementor-widget elementor-widget-text-editor\" data-id=\"e89994e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>While many states require you to have workers compensation insurance as soon as you hire your first employee, the threshold is slightly higher in others. In Alabama, for instance, if you have <a href=\"https:\/\/www.labor.alabama.gov\/wc\/insurance.aspx\" target=\"_blank\" rel=\"noopener\">fewer than five employees<\/a>, you are not required to purchase coverage.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b2df5c5 e-flex e-con-boxed e-con e-parent\" data-id=\"b2df5c5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0629c54 elementor-widget elementor-widget-heading\" data-id=\"0629c54\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Factors Affect the Cost of Workers Compensation Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b98a168 elementor-widget elementor-widget-text-editor\" data-id=\"b98a168\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FLIP uses several factors to determine your workers compensation premium, including:<\/p><ul><li><strong>What state(s) your employees work in<\/strong><\/li><li><strong>How many employees you have<\/strong><\/li><li><strong>Your annual payroll<\/strong><\/li><li><strong>Your industry<\/strong> (some lines of work are riskier than others)<\/li><li><strong>What type of work your employees do<\/strong> (more dangerous work = higher premiums)<\/li><li><strong>If you\u2019ve ever had a workers compensation claim before<\/strong><\/li><\/ul><p>\u00a0<\/p><p>These factors cause the cost of workers comp to vary widely from one business to the next. However, <a href=\"https:\/\/www.forbes.com\/advisor\/business-insurance\/workers-compensation-insurance-cost\/#:~:text=Key%20Takeaways%20*%20Workers&#039;%20compensation%20insurance%20costs,compensation%20claims%20typically%20more%20than%20lower%2Drisk%20companies.\" target=\"_blank\" rel=\"noopener\">most small businesses pay an average of $542 per year<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b3451a e-flex e-con-boxed e-con e-parent\" data-id=\"7b3451a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-97bdb68 elementor-widget elementor-widget-heading\" data-id=\"97bdb68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">How Do I File a Workers Compensation Claim?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f855ae1 elementor-widget elementor-widget-text-editor\" data-id=\"f855ae1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Follow these steps to properly file your claim with FLIP if an employee reports an injury or work-related illness:<\/p><ol><li><strong>Encourage your employee to seek immediate medical attention<\/strong> if they haven\u2019t already.<\/li><li><strong>Provide your employee with the paperwork they need<\/strong> to fill out information about the injury or illness, including when it happened or when they first noticed it. You can download these forms from your state\u2019s official website.<\/li><li><strong>Speak with any witnesses<\/strong> who saw the accident occur and document their comments.<\/li><li><strong><a href=\"https:\/\/app.fliprogram.com\/dashboard\" target=\"_blank\" rel=\"noopener\">Log in to your FLIP user dashboard<\/a> and go to \u201cFile a Claim.\u201d<\/strong> Fill out the required information and include any supporting documents before submitting.<\/li><li><strong>Fill out and submit a first report of injury form<\/strong> to your state\u2019s workers compensation board, if they require it.<\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-18e2f34d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"18e2f34d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4f0114ec\" data-id=\"4f0114ec\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b875719 elementor-widget elementor-widget-text-editor\" data-id=\"6b875719\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\"><strong>Pro Tip:<\/strong> As soon as your employee tells you about a work-related injury, accident, or illness, start the claim process. Your claim could be invalidated, your employee may lose their ability to receive benefits, and you may even face a fine for delayed action. Train your employees to report workplace injuries immediately to avoid situations like these.<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-ebe3462 e-flex e-con-boxed e-con e-parent\" data-id=\"ebe3462\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7954b9c elementor-widget elementor-widget-heading\" data-id=\"7954b9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Get Workers Compensation Insurance From FLIP?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0797a6 elementor-widget elementor-widget-text-editor\" data-id=\"e0797a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We make it easier than ever for food and beverage businesses to get workers compensation coverage with our <strong>100% online application<\/strong>. In fact, it takes most people just <strong>10 minutes to complete<\/strong>!<\/p><p>Choose between <strong>several different payment options<\/strong>:<\/p><ul><li>Annual<\/li><li>Quarterly<\/li><li>Semiannual<\/li><li>Monthly (for policies exceeding $1,000 per year)<\/li><\/ul><p>Whether you already have a policy with us or not, you can get workers compensation and general liability coverage in one convenient place.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7186e277 e-flex e-con-boxed e-con e-parent\" data-id=\"7186e277\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-260a51b3 elementor-widget elementor-widget-text-editor\" data-id=\"260a51b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<b>You and your employees work hard \u2014 don\u2019t let a workplace injury or illness set you back. Get your personalized workers compensation quote today and safeguard what you\u2019ve built!<\/b>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-78f2957 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"78f2957\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.fliprogram.com\/workers-compensation-insurance\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn More About Workers Compensation Insurance<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-651622d e-flex e-con-boxed e-con e-parent\" data-id=\"651622d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e003b9f elementor-widget elementor-widget-image\" data-id=\"e003b9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food-768x512.webp?strip=all\" class=\"attachment-medium_large size-medium_large wp-image-51565\" alt=\"A food truck worker in a brown apron hands a takeout basket of food to a customer.\" srcset=\"https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food-768x512.webp?strip=all 768w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food-300x200.webp?strip=all 300w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food-1024x683.webp?strip=all 1024w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all 1200w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=120 120w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=240 240w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=360 360w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=480 480w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=600 600w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=840 840w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=960 960w, https:\/\/images.fliprogram.com\/u\/2025\/07\/01111213\/food_truck_employee_serving_food.webp?strip=all&amp;w=1080 1080w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c91ed1 e-flex e-con-boxed e-con e-parent\" data-id=\"5c91ed1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2e4aa09 elementor-widget elementor-widget-heading\" data-id=\"2e4aa09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQs About Workers Compensation Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55805cf9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55805cf9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-62580d4d\" data-id=\"62580d4d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b309c9c faq-toggle elementor-widget elementor-widget-toggle\" data-id=\"b309c9c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1871\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1871\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Am I Required to Have Workers Compensation Insurance if My Employees Are My Family Members?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1871\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1871\"><p>Yes! Family members are <em><strong>not<\/strong><\/em> exempt from workers compensation benefits, so you still need to carry insurance to cover those expenses if they have a work-related injury or illness.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1872\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1872\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Does Workers Compensation Insurance Cover the Delivery Drivers I Hire?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1872\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1872\">If your delivery drivers are considered employees, yes. If they are considered independent contractors, your state may not extend workers compensation benefits to them. <\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1873\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1873\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Do I Need a Workers Compensation Policy if I Don\u2019t Have Any Employees?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1873\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1873\">Typically, you only need this coverage if you have employees. However, some sole proprietors may purchase a policy because a contract requires them to. \n\nOther self-employed business owners purchase workers compensation insurance for themselves because many work-related injuries are excluded from health insurance. \n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<h3 id=\"elementor-tab-title-1874\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1874\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">How Is Workers Compensation Insurance Different From Disability Insurance?<\/a>\n\t\t\t\t\t<\/h3>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1874\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1874\"><p>There are two major differences between workers compensation and disability coverage:<\/p><ol><li>Health and disability insurance only apply to non-work-related injuries, while workers compensation insurance only covers work-related injuries.<\/li><li>Many businesses are required to carry workers compensation coverage for their employees, but not disability insurance. You might choose to cover the cost of your employees\u2019 disability insurance as one of their benefits, but you aren\u2019t required to. Instead, your employees make a tax-deductible contribution to this program if they want coverage.<\/li><\/ol><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-4359dda e-flex e-con-boxed e-con e-child\" data-id=\"4359dda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5e4d64ed elementor-author-box--image-valign-top elementor-author-box--layout-image-left elementor-hidden-mobile elementor-widget elementor-widget-author-box\" data-id=\"5e4d64ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/author\/alex-hastings\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.fliprogram.com\/u\/2025\/01\/07111056\/Alex-Hastings-Bio-241x300-1.webp?strip=all\" alt=\"Picture of &lt;span style=&quot;font-weight: 600; font-family: open sans; font-size:14px;&quot;&gt;By:&lt;\/span&gt;&lt;br&gt;Alex Hastings\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/author\/alex-hastings\">\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\t<span style=\"font-weight: 600; font-family: open sans; font-size:14px;\">By:<\/span><br>Alex Hastings\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Seattle-based copywriter and (WA) licensed insurance agent Alex Hastings leverages her experience as a lover of fast-casual food, baked goods, and iced oat milk lattes. She holds a B.A. in Creative Writing from Western Washington University. Before working at Veracity, she was a retail copywriter at Zulily and an English language teacher in South Korea. Alex is fully trained on FLIP insurance coverages and writes content that connects food and beverage business owners with the policies they need.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2f59568 elementor-author-box--layout-image-above elementor-author-box--align-center elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-author-box\" data-id=\"2f59568\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/author\/alex-hastings\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.fliprogram.com\/u\/2025\/01\/07111056\/Alex-Hastings-Bio-241x300-1.webp?strip=all\" alt=\"Picture of &lt;span style=&quot;font-weight: 600; font-family: open sans; font-size:14px;&quot;&gt;By:&lt;\/span&gt;&lt;br&gt;Alex Hastings\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/author\/alex-hastings\">\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\t<span style=\"font-weight: 600; font-family: open sans; font-size:14px;\">By:<\/span><br>Alex Hastings\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2b82d785 elementor-author-box--layout-image-left elementor-author-box--align-left elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-author-box\" data-id=\"2b82d785\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Seattle-based copywriter and (WA) licensed insurance agent Alex Hastings leverages her experience as a lover of fast-casual food, baked goods, and iced oat milk lattes. She holds a B.A. in Creative Writing from Western Washington University. Before working at Veracity, she was a retail copywriter at Zulily and an English language teacher in South Korea. Alex is fully trained on FLIP insurance coverages and writes content that connects food and beverage business owners with the policies they need.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e99a96d e-flex e-con-boxed e-con e-child\" data-id=\"6e99a96d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-267e5aa8 elementor-author-box--image-valign-top elementor-author-box--layout-image-left elementor-hidden-mobile elementor-widget elementor-widget-author-box\" data-id=\"267e5aa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/kyle-jude\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.fliprogram.com\/u\/2024\/05\/17104610\/kyle-jude-portrait-290x300.png?strip=all\" alt=\"Picture of &lt;span style=&quot;font-weight: 600; font-family: open sans; font-size:14px;&quot;&gt;Reviewed By:&lt;\/span&gt;&lt;br&gt;Kyle Jude\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/kyle-jude\">\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\t<span style=\"font-weight: 600; font-family: open sans; font-size:14px;\">Reviewed By:<\/span><br>Kyle Jude\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Kyle Jude is the Program Manager for Food Liability Insurance Program (FLIP). As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for food and beverage business professionals who are looking to navigate business liability insurance.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-721683c9 elementor-author-box--layout-image-above elementor-author-box--align-center elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-author-box\" data-id=\"721683c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/kyle-jude\" class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/images.fliprogram.com\/u\/2024\/05\/17104610\/kyle-jude-portrait-290x300.png?strip=all\" alt=\"Picture of &lt;span style=&quot;font-weight: 600; font-family: open sans; font-size:14px;&quot;&gt;Reviewed By:&lt;\/span&gt;&lt;br&gt;Kyle Jude\" loading=\"lazy\">\n\t\t\t\t<\/a>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.fliprogram.com\/kyle-jude\">\n\t\t\t\t\t\t<div class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\t<span style=\"font-weight: 600; font-family: open sans; font-size:14px;\">Reviewed By:<\/span><br>Kyle Jude\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/a>\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-314ab582 elementor-author-box--layout-image-left elementor-author-box--align-left elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-author-box\" data-id=\"314ab582\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\t<p>Kyle Jude is the Program Manager for Food Liability Insurance Program (FLIP). As a dedicated program manager with 10+ years of experience in the insurance industry, Kyle offers insight into different coverages for food and beverage business professionals who are looking to navigate business liability insurance.<\/p>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>You\u2019ve probably heard of workers compensation \u2014 or workers comp \u2014 before. These laws are designed to ensure employees injured on the job get the financial support they need while reducing your liability as their employer. Workers compensation insurance goes hand in hand with these laws. This guide answers some of the most common questions [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":51550,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"categories":[69],"tags":[85],"class_list":["post-51549","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance-resources","tag-growing"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/posts\/51549","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/users\/17"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/comments?post=51549"}],"version-history":[{"count":7,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/posts\/51549\/revisions"}],"predecessor-version":[{"id":62049,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/posts\/51549\/revisions\/62049"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/media\/51550"}],"wp:attachment":[{"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/media?parent=51549"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/categories?post=51549"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fliprogram.com\/wp-json\/wp\/v2\/tags?post=51549"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}