Best Workers Compensation Insurance In DC In 2026

Wouldn’t you agree that every business needs a safety net when someone gets hurt on the job? Workers compensation insurance is one of the most important — and most legally required — coverages a DC employer can carry. There are roughly 76,000 small business owners, entrepreneurs, freelancers, and sole proprietors in the District who need to think about this. So let’s walk through everything you need to know: what it costs, which companies stand out, what’s covered, what isn’t, and how DC’s rules are stricter than most states.

Best companies for workers compensation coverage in DC at a glance

Insurance Provider	Best For	Key Features	Availability
The Hartford	Established businesses & quick quotes	Industry expertise, bundled policies, online quotes	Nationwide
Progressive Commercial	Small businesses & fast online quotes	Simple application, broad coverage options	Nationwide
Hiscox	Small businesses & professional services	Online quotes, easy COIs, integrates with other Hiscox policies	49 states (excl. AK)
Employers Insurance	Low-risk industries & remote teams	Competitive pricing, loss control services, return-to-work programs	Nationwide

Simply Insurance may receive compensation when readers click partner links and an eligible quote is requested.

Best workers compensation insurance in DC for small businesses

The Hartford is the top pick for small businesses in DC. It pairs industry-specific expertise — retail, hospitality, construction, professional services — with policies built around the District’s strict labor laws.

Small businesses specifically benefit from:

Bundled discounts — save when you pair workers’ comp with general liability or a business owner’s policy
Instant online quotes and same-day activation, so you’re not waiting on paperwork
Free workplace safety training aligned with DC’s OSHA requirements
Dedicated claims specialists who know DC’s disability and return-to-work regulations

For businesses with 50–250 employees, The Hartford scales well. It offers:

Experience Modification Rate (X-Mod) optimization — your safety record can actually lower your premiums
Multi-state coverage if your team works across DC, Maryland, and Virginia
Return-to-work programs that reduce lost productivity under DC’s disability laws
Risk management support tailored to higher-risk industries like healthcare and manufacturing

If you have 1–10 employees, The Hartford still tops the list. Micro businesses face unique challenges — thin payrolls, part-time staff, seasonal workers — and The Hartford’s structure handles all of that:

No minimum payroll requirements, which matters a lot if you have gig workers or part-timers
Rates starting around $93/month, the most accessible entry point for tight budgets
Mobile app management for certificates of insurance and claims tracking
Compliance help with DC’s exemption rules for contractors and sole proprietors

Who is the cheapest workers comp insurance provider in DC?

The Hartford offers the lowest entry-point rates in DC, with premiums starting around $93/month for micro and small businesses. A few reasons it stays affordable:

Payroll-based pricing — you only pay for what your actual payroll looks like, so you’re not over-paying for slow seasons
Bundled discounts — up to 15% off when you combine workers’ comp with other policies
X-Mod savings — businesses with strong safety records qualify for reduced premiums
No broker fees — direct online quoting cuts out the middleman
Streamlined DC compliance — efficient claims handling and regulatory alignment keeps overhead low

Why The Hartford Dominates Workers Comp Insurance Categories in DC:

The Hartford dominates workers compensation insurance in DC due to its cost transparency, strong claims support, tailored small business coverage, and tech-driven tools. Its reputation for fast payouts, bundled policies, and customer service makes it a top choice. The company also offers industry-specific risk management solutions.

Key Reasons for Dominance:

Cost Transparency: Clear, payroll-based pricing with no hidden fees—premiums scale directly with payroll size, ensuring businesses only pay for what they need.
Compliance Expertise: Policies built for District of Columbia’s unique mandates, including coverage for businesses with 1+ employees and alignment with DC’s disability/return-to-work laws.
Speed: Instant online quotes, mobile app claims tracking, and same-day policy activation cater to fast-paced District of Columbia businesses.
Reputation: Backed by an A+ financial strength rating (AM Best) and 200+ years of industry trust, ensuring reliable long-term claims support.
Tech-Driven Tools: AI-powered risk assessments and app-based certificate management streamline compliance for District of Columbia’s strict labor environment.

Where to Get The Best Workers Compensation Insurance in DC

Compare top-rated providers like The Hartford, Hiscox, Progressive Commercial, and Employers Insurance, weighing claims speed, premiums, and DC labor law compliance to find your best fit.

Get the best workers compensation insurance in DC by comparing top-rated providers like The Hartford, Hiscox, and Employers Insurance. Prioritize companies offering fast claims, competitive premiums, and strong support for District of Columbia labor laws. Use platforms like Simply Insurance to compare rates instantly.

Top Private Workers Compensation Insurance Companies in DC

Private insurance companies offer a range of workers compensation policies tailored to diverse business needs. Notable providers include:

The Hartford: Recognized for comprehensive coverage options and a strong focus on customer service, The Hartford caters to businesses of various sizes.
Hiscox: Popular with small businesses and professional services; offers streamlined online quotes, easy COIs, and integrates with other Hiscox policies.
Progressive Commercial: Offers flexible workers compensation policies, competitive pricing, and a simple online quoting process for DC businesses.
Employers Insurance: With a focus on small businesses, Employers Insurance provides cost-effective workers’ compensation solutions tailored to the unique challenges faced by smaller enterprises.

When selecting a private insurer, it’s essential to compare coverage options, premium costs, and customer reviews to ensure the best fit for your business.

Why The Hartford stands out in DC

The Hartford doesn’t just have the lowest prices — it consistently gets high marks for claims support, transparency, and tech tools. Here’s what makes it hard to beat in the District:

Cost transparency — payroll-based pricing with no hidden fees
Compliance expertise — policies built specifically for DC’s mandate that covers employers with even 1 employee
Speed — instant quotes, app-based claims tracking, same-day policy activation
Financial strength — A+ rating from AM Best, backed by 200+ years in the industry
Tech tools — app-based certificate management and risk assessments that make compliance less painful

Top private workers compensation insurance companies in DC

Private insurers give you options. Here’s a quick look at the major players:

The Hartford — Comprehensive coverage for businesses of all sizes, strong customer service, and a long track record with DC businesses.

Hiscox — A favorite among small businesses and professional services firms. Easy online process, quick COIs, and the ability to bundle with other Hiscox policies.

Progressive Commercial — Flexible policies, competitive pricing, and a streamlined online quoting process. Good for businesses that want something done fast.

Employers Insurance — Focused on small businesses, particularly those in lower-risk industries. Offers cost-effective solutions and loss control services that can help reduce claims over time.

When you’re comparing these providers, look beyond just the premium. Consider how fast they pay claims, how easy their online tools are, and whether they have experience with your specific industry in DC.

Who is the Largest Workers Compensation Insurance Company in DC

The largest workers compensation insurance company in DC is The Hartford. The Hartford insures thousands of District of Columbia businesses and is known for its strong financial stability, fast claims processing, and proactive risk management services tailored to meet District of Columbia’s regulatory environment.

How much workers compensation insurance do I need in DC?

DC requires at least $100,000 per occurrence and $100,000 per employee, but most businesses carry a total of $500,000 or more depending on payroll, industry, and team size.

Most businesses carry at least $500,000 in total coverage. That said, the right amount depends on your payroll size, industry risk level, and how many employees you have. A general contractor running a crew of 10 in DC needs substantially more coverage than a two-person accounting firm.

DC’s minimum employer liability requirements are:

$100,000 per occurrence
$100,000 per employee, with the total policy value at least $500,000

These are minimums — many businesses, especially in construction or healthcare, carry more.

How much is workers compensation insurance in DC?

Workers comp in DC runs about $93 a month, or $1,116 a year, with a benchmark rate of roughly $1.15 per $100 of payroll.

The average cost of workers compensation insurance in DC is about $93/month or $1,116/year. The broader benchmark is roughly $1.15 per $100 of payroll, though your actual rate depends on your industry classification, claims history, and the types of roles your employees fill.

Average cost of workers comp insurance in DC by industry

These are approximate figures based on a monthly payroll of $25,000. Your numbers will shift based on your actual payroll and claims history.

Industry	Job Role	Rate per $100 of Payroll	Monthly Premium (est.)
Construction	General Contractor	$3.00 – $30.00	$750 – $7,500
Manufacturing	Machine Operator	$2.50 – $15.00	$625 – $3,750
Healthcare	Registered Nurse	$1.75 – $5.00	$437 – $1,250
Retail	Sales Associate	$1.00 – $3.00	$250 – $750
Clerical/Office	Administrative Assistant	$0.40 – $1.00	$100 – $250

Construction has the widest range because the risk varies enormously — a roofing crew is priced very differently from a finish carpenter. Office workers sit at the low end because slip-and-fall and repetitive stress claims are less frequent and less severe.

DC workers comp rates by classification code

The National Council on Compensation Insurance (NCCI) assigns classification codes to job types. Each code has an advisory pure premium rate that forms the foundation of what you’ll pay.

Classification Code	Industry / Job Type	Advisory Rate per $100 of Payroll
0042	Landscaping / Gardening	$6.56
5183	Plumbing	$1.68
8810	Clerical Office Employees	$0.35
8742	Salespersons – Outside	$0.65
7228	Trucking – Local Hauling	$8.25
9015	Building Operations by Owner	$0.97
8835	Home Health Care Services	$5.32
8006	Grocery Stores	$2.15
8017	Retail Stores – NOC	$1.85
8387	Auto Service or Repair Centers	$3.30

These rates are advisory and subject to change. Your insurer applies them as a starting point, then adjusts based on your specific claims history and X-Mod factor. Check with NCCI or your insurer for the most current figures.

Workers Comp Rates in DC (Per $100 Payroll)

Workers comp rates in DC cost around $1.15 per $100 of payroll, based on job classification codes. Low-risk jobs like clerical work average $0.75–$1.50, while high-risk jobs like roofing can exceed $25. The Workers’ Compensation Insurance Rating Bureau sets advisory pure premium rates annually.

What factors affect workers compensation costs in DC?

Several things move your premium up or down. Understanding them helps you manage costs over time.

Job classification — Each occupation gets a code reflecting its risk level. A roofer’s rate is dramatically higher than a bookkeeper’s, and that difference is intentional.

Payroll size — Premiums are calculated per $100 of payroll. More employees or higher wages means a higher base premium, because there’s more potential exposure.

Claims history — A string of past claims signals higher future risk to insurers. Frequency of claims matters even more than severity — industry research consistently shows that businesses with many small claims tend to face larger ones down the road. Insurers price that in.

Safety record — Fewer incidents suggest better workplace protocols. A clean record can meaningfully reduce what you pay.

Experience Modification Rate (X-Mod) — This is an adjustment factor calculated from your claims history relative to other businesses in your industry classification. An X-Mod below 1.0 means you’re safer than average and your premium goes down. Above 1.0, and you’ll pay more. Running a real safety program — not just paperwork — is the most reliable way to keep your X-Mod low.

Location — DC has its own regulatory environment and rate structure, which differs from neighboring Maryland and Virginia.

The best long-term cost control strategy is straightforward: build a genuinely safe workplace, respond quickly when incidents do happen, and get employees back to work as soon as medically appropriate.

DC workers compensation insurance requirements

DC has some of the strictest workers comp requirements in the country. Here’s what you need to know.

Who needs workers comp insurance in DC?

DC requires every employer with at least one employee to carry workers compensation insurance — no exceptions for part-time or temporary workers. If your company’s headquarters is in another state but your employees regularly work in DC, you’re still required to carry DC coverage for those workers.

That’s different from most states, which often don’t require coverage until you hit two, three, four, or five employees.

Which industries buy workers comp policies most often in DC?

Some industries purchase coverage at higher rates, typically because their work involves more physical exposure:

Landscaping & lawn care
Food & beverage
Legal
Accounting & finance
Retail
Hair & beauty
Fitness
Day care
Commercial cleaning
Heating & air conditioning

What Are The Minimum Workers Comp Laws in DC

Employer liability in DC is presently defined by the following minimums: $100,000 per occurrence for a workers’ compensation insurance policy. $100,000 per employee, and the total policy value must be at least $500,000.

Who is exempt from workers comp in DC?

Not everyone has to be covered. DC exemptions generally include:

Sole proprietors and business owners (except roofers — they’re required to carry coverage)
Independent contractors
Domestic workers who are related to their employer
Individuals working in exchange for food, housing, or other non-cash compensation
Certain volunteers, including those working for nonprofit organizations
Deputy sheriffs and deputy clerks
Students participating in amateur sporting events or serving as amateur sports officials

Do independent contractors need workers comp in DC?

Generally, no — independent contractors aren’t required to carry workers comp for themselves in DC. But there are two things worth knowing:

Client requirements — Many businesses require contractors to show proof of their own workers comp coverage before work begins. This protects the hiring company from potential liability if the contractor gets hurt on the job.
Contractor reclassification risk — If a worker you’re treating as an independent contractor is later deemed an employee under DC labor law, you could be on the hook for their coverage retroactively. The distinction matters.

Even if you’re not legally required to carry it, coverage is worth considering if you work in physical environments where injury risk is real.

Is Workers Comp Required In DC

Yes! Even if you only have one employee, DC employers must carry workers compensation insurance. And if your workers are injured or sick because of their job, you must reimburse them for workers’ compensation benefits.

Workers compensation insurance covers essential services such as medical care, short-term disability payments, permanent disability pensions, additional job displacement benefits, and a return-to-work supplement. It also includes death benefits for final expenses.

What are the penalties for not carrying workers comp in DC?

Failing to carry coverage in DC isn’t a slap on the wrist. Penalties include:

Civil fines
Criminal charges
Personal liability for all medical costs and lost wages from any workplace injury that occurs during the uninsured period

A single serious workplace injury — say, a broken leg from a fall — can easily run $30,000–$50,000 in medical bills alone. Without insurance, that comes out of your pocket.

What does workers comp insurance cover in DC?

Workers comp is a no-fault system. That means it pays benefits regardless of whether the employer or the employee caused the injury. In exchange, injured employees generally give up their right to sue the employer directly.

Coverage in DC includes:

Medical treatment costs — doctor visits, hospital stays, surgery, prescription medications
Rehabilitation and physical therapy — getting an employee back to functional health
Temporary disability payments — typically around two-thirds of the employee’s wages while they’re unable to work
Permanent disability payments — for injuries that result in lasting impairment
Life pension payments — for total permanent disability cases
Vocational retraining costs — if an employee can’t return to their previous job
Death benefits — funeral costs and ongoing payments to surviving dependents (spouse and children)

Real-world examples of covered claims

To make this concrete, here are the kinds of situations workers comp steps in to cover:

A restaurant worker slips on a wet kitchen floor, breaks her wrist, and misses six weeks of work. Workers comp pays the ER bill, the orthopedist, physical therapy, and two-thirds of her wages while she recovers.
A delivery driver for a DC retail shop rear-ends another car while making a drop-off, injures his back, and can’t drive for a month. Workers comp covers his medical treatment and partial lost wages — because it happened during work duties.
A warehouse employee lifts a heavy pallet the wrong way and injures a disc in his spine. Workers comp covers his treatment, any surgery, and rehab.
A software developer at a DC consulting firm develops carpal tunnel syndrome from years of repetitive keyboard use. Workers comp can cover occupational illness, including repetitive stress injuries, if the condition is work-related.

These aren’t edge cases — they’re among the most common workers comp claims filed.

What Types Of Employee Injuries Does Workers Comp Insurance NOT Cover In DC

Workers compensation insurance in DC does not cover injuries from intoxication, self-inflicted harm, off-duty activities, or violations of company policy. It also excludes emotional injuries without physical trauma and independent contractors. These exclusions help prevent fraud and ensure claims relate directly to work-related duties. Some examples include:

Driving to/from work
Intoxication/intentional act
Horseplay
Intentional acts
Illegal activities
Policy violations
Terminated employees

Workers compensation doesn’t cover everything. Here are the main exclusions:

Commuting injuries — getting hurt driving to or from work isn’t covered (but driving during work for deliveries or client visits is)
Intoxication or drug use — injuries that happen while an employee is under the influence
Intentional self-harm — injuries the employee deliberately caused
Off-duty activities — injuries that happen when the employee isn’t on the clock
Fights or violence initiated by the employee
Horseplay — injuries from goofing around that falls outside normal work activities
Policy violations — injuries resulting from deliberate violation of a known company policy
Injuries to terminated employees — former employees generally aren’t covered

How is workers comp different from health insurance?

Workers comp only covers job-related injuries and lost wages, while health insurance covers medical costs from any cause but never replaces your income or protects your employer from liability.

They’re not interchangeable. Health insurance covers personal medical expenses regardless of cause. Workers comp covers only work-related injuries and illnesses — but it also covers lost wages, which health insurance doesn’t. Workers comp also includes liability protection for the employer; health insurance doesn’t touch that side of the equation.

If an employee injures themselves on the weekend playing soccer, that’s a health insurance claim. If they injure themselves while moving inventory at the store, that’s workers comp.

Workers Compensation Benefits in DC

Workers compensation benefits in the DC include medical care, temporary disability payments, permanent disability benefits, supplemental job displacement vouchers, and death benefits. These benefits aim to support injured workers during recovery, compensate for lost wages, and provide retraining or financial help to dependents if necessary

Workers comp settlement amounts in DC

When a worker suffers a permanent injury, the settlement amount depends on the disability rating, the worker’s wages, and the nature of the injury. Here’s a rough guide based on DC guidelines and historical settlement data:

Disability Rating	Injury Type	Formula-Based Range	Typical Negotiated Lump Sum	Notes
10% Permanent	Minor back strain, small fracture	$6,000 – $8,000	$6,000 – $12,000	Quick settlements at mid-level wages
25% Permanent	Repetitive motion injury (carpal tunnel, partial limb loss)	$25,000 – $35,000	$20,000 – $40,000	Includes partial function loss
50% Permanent	Severe burns, amputation	$50,000 – $90,000	$45,000 – $85,000	Adjusted for future medical costs
75% Permanent	Spinal cord injury	$100,000 – $200,000+	$90,000 – $175,000+	Can mean lifetime weekly benefits

Formula-based ranges use DC’s min/max compensation rates for 300 weeks. Negotiated ranges are estimates based on historical DC settlements and assume mid-to-high wage earners. Actual results vary by case — a workers comp attorney is worth consulting for serious injuries.

How To Get Workman’s Compensation Insurance In DC

You can buy worker’s comp insurance for your business instantly online in District of Columbia from an online insurance agency like Simply Insurance. There is no need to wait around for a workers compensation pamphlet in the mail.

We make purchasing worker’s comp plans easy, fast, and 100% online.

Taking Action

Worker’s Compensation Insurance is a necessary cost for business owners who want to protect themselves and employees from the unexpected.

Business owners who do not carry coverage could end up paying out of pocket for any mishaps that occur while operating their small businesses.

All you need to do is click here to get some instant quotes and get covered today.

FAQs About Workers Compensation Insurance in DC

How is workers compensation insurance calculated in DC?

The total amount of premiums collected is multiplied by $100 per employee per category. By multiplying each class’s payroll by $100, you can obtain an estimate for the payrolls in each class. The base premium is the sum of all premiums collected.

Do you need workers compensation coverage if you’re self-employed In DC?

No, you don’t need workmans comp policy if you’re self-employed. However, even if workers’ compensation isn’t required, individuals who operate their businesses or work as contractors should strongly think about purchasing it.

Is workman’s comp required for part-time employees in DC?

This is going to depend on your needs, the company that will have the cheapest insurance in District of Columbia for you will depend on a number of factors that relate to your home, including the value of your home, the area you live in, what type of home you live in and what type of coverage you select. Your deductibles and coverage limits will make up a portion of the cost.

Can I use my own insurance instead of workman’s comp in DC?

Yes, you can also self-insure for workers’ compensation, but it isn’t usually recommended. You might need assistance from a commercial broker-agent who can also provide information on State Fund and self-insurance.

Am I Required to Have Workers Compensation Insurance in DC?

Yes, District of Columbia law requires all employers with at least one employee to have workers’ compensation insurance, even for part-time or temporary staff. Failure to carry coverage can result in severe penalties, including fines, criminal charges, and personal liability for workplace injuries.

What Is the Best Workers Compensation Insurance in DC?

The Hartford is the best workers’ compensation insurance provider for small businesses in District of Columbia. It combines industry-specific expertise (e.g., retail, hospitality, construction) with policies tailored to District of Columbia’s strict labor laws.

How Much Does Workers Compensation Insurance Cost in DC?

The average cost of worker’s comp insurance in District of Columbia is $93.00 per month or $1,116.00 per year depending on industry risk, claims history, and employee roles. High-risk industries like construction pay more, while office-based businesses pay less.

How Many Employees Trigger a Workers Comp Requirement?

In District of Columbia, you only need 1 employee to be required by the District of Columbia labor code to purchase workers comp insurance. You must also pay for workers’ compensation coverage if your workers are injured or ill due to their job.

Best Workers Compensation Insurance In DE

Best Workers Compensation Insurance In Florida

Share 0

Tweet 0

Share 0

ABOUT THE AUTHOR | Sa El

Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 16 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.

Assigned risk pools in DC

Not every business can easily get coverage through standard private insurers — particularly businesses in high-risk industries, new businesses without claims history, or employers who’ve had a lot of past claims. When private insurers decline to offer coverage, DC’s assigned risk pool steps in.

In an assigned risk pool, the state assigns your business to an insurer who’s required to provide coverage. The tradeoff: premiums are considerably higher than you’d get through a standard private policy. If you’re in an assigned risk pool, the best path out is reducing your claims, improving your safety record, and applying for standard coverage again in a few years once your X-Mod improves.

How long does workers comp last?

It depends on the injury. Temporary disability benefits last until the employee can return to work or reaches maximum medical improvement. For permanent disabilities, some benefits continue long-term — in serious cases, for life.

DC’s system specifies maximum benefit periods for some temporary disabilities. For permanent total disability, lifetime weekly benefits are possible. The more severe and lasting the injury, the longer the benefits typically run. If an employee’s injury looks like it may require long-term care or result in a settlement dispute, encourage them to consult a workers comp attorney early in the process.

How to file a workers comp claim in DC

If one of your employees is injured, here’s how the process works:

Report the injury — The employee reports the injury to you as soon as possible. There are time limits, and missing them can jeopardize the claim.
File the claim with your insurer — You notify your insurance company and open a claim. Your insurer assigns a claims specialist.
File an application for adjudication — If there’s a dispute about coverage or benefits, an “Application for Adjudication of Claim” goes to DC’s Office of Workers’ Compensation.

The most important thing: don’t delay. DC has strict deadlines at each step. If you’re unsure about the process or the deadlines, contact the DC Department of Employment Services, which oversees workers comp administration in the District.

How to get workers comp insurance in DC

You can get covered online today through Simply Insurance. No waiting on paperwork, no calls to agents if you don’t want them. Compare quotes from top-rated providers in minutes and get a policy the same day.

FAQs about workers compensation insurance in DC

How is workers compensation insurance calculated in DC? Your premium is based on your payroll. For each job classification, you take the payroll amount, divide by $100, and multiply by the rate for that classification code. Add up all the class totals to get your base premium. Your insurer then applies your X-Mod factor to adjust up or down based on your claims history.

Do you need workers comp if you’re self-employed in DC? Not legally — sole proprietors are generally exempt. But if you do physical work with real injury risk, carrying coverage on yourself is worth considering. It protects your income if you can’t work due to a job-related injury, and some clients require proof of coverage before they’ll hire you.

Is workers comp required for part-time employees in DC? Yes. DC’s rules don’t carve out exceptions for part-time or temporary workers. If someone works for you — even part-time — you need coverage.

Can I self-insure instead of buying a policy? Technically yes, but it’s only realistic for large employers with substantial financial reserves. DC allows self-insurance with state approval, but it’s not a viable path for most small or midsize businesses. Most owners are better off with a standard policy.

Am I required to have workers comp in DC? Yes, if you have even one employee. DC law requires every employer to carry coverage. Failing to do so can result in fines, criminal charges, and personal liability for any workplace injuries that happen while you’re uninsured.

What is the best workers compensation insurance in DC? The Hartford is consistently the top choice for small and midsize businesses in DC — strong financials, fast claims, good tech tools, and deep experience with DC’s regulatory requirements.

How much does workers comp cost in DC? Around $93/month or $1,116/year on average, based on a rate of roughly $1.15 per $100 of payroll. Your actual cost depends on your industry, payroll size, and claims history.

How many employees trigger the workers comp requirement in DC? Just one. DC is stricter than most states — the requirement kicks in as soon as you have a single employee on the payroll.

What happens if an employee is injured traveling for work? If the travel is part of the job — making deliveries, visiting clients, running work-related errands — the injury is generally covered. The commute to and from your normal workplace is not covered.

Can an injured employee sue my business even if I have workers comp? In most cases, no. Workers comp is a no-fault system, and accepting benefits generally means the employee gives up the right to sue. However, there are limited exceptions — particularly for injuries or illnesses that fall outside the specific categories defined by DC’s workers comp regulations. In those cases, your workers comp policy typically still covers legal defense costs and any resulting damages.