Workman's compensation insurance is a coverage agreement which obligates the insurer to pay all compensation and other benefits required of the insured by the workers compensation law or occupational disease law of any state listed in the policy. Workman's compensation insurance coverage applies to bodily injury by accident and by disease. We provide free multiple workman's compensation insurance quotes with no hassle or obligation. If you are a new or start up business, or are expanding your current business operation to include employees, it is important to know that by state law you will be required to have workers’ compensation insurance coverage.