Remote hires and workers compensation
· Shield & Stallion Insurance LLC
The company is incorporated in one state. The first engineer lives in another. Payroll asks whether workers compensation follows headquarters or the kitchen table. The short version used on this site is the one underwriters actually use: remote staff are generally rated by the state they work in, not only the state on the formation documents. Requirements still vary by state, by employer type, and by who counts as an employee.
Where people sit is part of the file
Workers compensation is employee-injury cover written against state systems. It is not cyber, it is not Technology E&O, and it is not employment practices liability. A harassment allegation and a workplace injury are different claims on different forms. Investors sometimes ask whether you “have WC.” That question is really: do you have people, and in which states, and is the company the kind of employer that statute cares about there.
Tell us where people work. Headquarters is not enough if the team is distributed. A new state can change how a workers compensation filing is built, and it can change other questions on the file, including some privacy issues on cyber. Put the roster in the notes, or email it after you submit. This site does not accept uploads.
What this page will not decide
We will not tell you, from a website, that you must buy workers compensation in a given state. That is a legal and statutory question that depends on the facts of the employer, the worker, and the state. This note is not legal advice. A licensed advisor reviews the file against how markets actually write the risk. If a state is one where we cannot transact, we will say so rather than pretend the policy can be bound from Illinois for everywhere.
Shield & Stallion Insurance LLC places coverage only where the agency, or a licensed producer working the file, is authorized. Submitting an application is an inquiry, not an offer to sell insurance in every state. If you are outside those states, we review the inquiry and will tell you whether we can proceed, refer you to a licensed colleague, or decline.
Next to the rest of the stack
If you lease space, the landlord is often asking for a business owners policy, not workers compensation. If you are hiring across states and crossing roughly ten to fifteen people, employment practices liability becomes a separate conversation. If a priced round is on the calendar, directors and officers cover is a different product again. We will not sell you a bundle you do not need. We also will not treat a certificate of insurance as a substitute for a state filing the market has not made.
Nothing is bound until the issuing carrier or authorized market confirms it in writing. Premium and eligibility depend on payroll, class codes, claims, and the states involved. There is no instant quote on this page.
This note is educational. It is not a quote, a recommendation, legal advice, or a finding that you have or lack coverage. The policy form and the applicable state system control. See the insurance disclosure.
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