What is workers' compensation (industrial insurance)?

Workers' compensation provides no-fault industrial insurance coverage for most employers and workers in Washington State. Benefits include medical treatment for workers who are injured in the course of their employment or develop an occupational disease as a result of their work activities. Workers who are unable to work due to accepted conditions related to an industrial injury or occupational disease may be eligible for partial wage replacement benefits.

What workers' compensation pays for

• Approved medical, hospital and related services due to workplace injuries.
• Compensation for those who are temporarily unable to work full-time.

Employers must provide coverage for their employees. In return, employers normally cannot be sued for damages when a work-related injury or illness occurs.

Employers purchase coverage through L&I

• The agency manages claims and pays benefits out of an insurance pool called the Washington State Fund.
• The fund is financed by premiums paid by employers and employees.
• For new business: If you indicate on your application for a Master Business License that you plan to hire employees, L&I will send you information to open a workers' compensation account.
• For existing business: If you hire an employee for your business, amend your Master Business License, and L&I will send you information to open a workers' compensation account.

Optional owner coverage

Owners of sole proprietorships and other businesses without employees are not required to have workers' compensation insurance. However, they may choose to purchase it from L&I to cover their own medical expenses if they are injured on the job. Call 360‑902‑4817 for more information. Request an Application for Elective Coverage for Industrial Insurance.

The Employers' Guide to Industrial Insurance (F101‑002‑000) is a general guide that explains Washington State's workers' compensation insurance program.

How to file and pay workers' comp (industrial) insurance

Get information about how to sign up to pay quarterly reports online or submit them by mail.

Managing claims

Manage Your Injury Claims when an employee is injured.

View your employees' claim information online .

Self-insurance

Employers may qualify to provide their own coverage under L&I's program administered by the Self-Insurance Section.

Protests & appeals

Appeal an L&I decision about your coverage or rates.

Training

Workshops for Training about workers' compensation currently provided by L&I.

Additional information

• Running a business: What you need to do.
• File Quarterly Reports.
• Rates & Risk Classes.
• Reducing Rates.