Independent Agency for Workers’ Comp

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Who Can We Cover?

Alchemy can help your business fulfill its’ Workers’ Compensation requirement – no matter the size or industry. We cover:

  • Businesses with one or more employees
  • Virtually all business types and industries
  • Business in Texas, Pennsylvania, Maryland, Delaware, and Oklahoma
  • Start-up or established businesses

Get the Independent Agency Advantage

Avoid calling multiple carriers to compare individual quotes.

Our agents work directly with carriers like Nationwide and Progressive to assure you get the lowest premiums on a Workers’ Compensation policy for your business.

Have questions about business coverage?

Who Needs Workers’ Compensation?

If you have employees, Workers’ Compensation is required in most states.

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Small Businesses

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Construction & Contractors

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Hospitality Services

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Farming & Food Services

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Trucking & Transportation

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And More!

Why Workers’ Compensation?

Despite your best intentions, workplace accidents happen! Workers’ Compensation Insurance offers you protection from employee lawsuits and work-related injuries or illnesses. Other benefits may include:   

  • Reduced medical care expenses 
  • Replacement of lost wages during recovery
  • Coverage for a work-related injury or illness  
  • Disability & death benefits

Connect with a Workers’ Compensation Specialist

Choose a time when you’re free and we’ll give you a call.


Commercial Insurance

Frequently Asked Questions

What is Workers' Compensation?

Workers' Compensation Insurance gives your employees benefits if they have a work-related injury or illness. This coverage can help cover injured or sick employees' medical expenses and replace wages from lost work time. Workers' Compensation is a no-fault system, which means injured or ill employees can receive compensation, however, they give up the right to sue their employer.

What type of coverage do I need for my employees?

Businesses with employees are required by law in most states to provide Workers’ Compensation, Unemployment Insurance, and Disability Insurance in some states. Also, consider getting an Employment Practices Liability (EPL) policy that protects your business against allegations of discrimination, harassment, and wrongful termination of employees. Finally, keep Auto Insurance in mind if you or your employees are driving for work purposes. It can help cover the costs of possible accidents.

How much insurance do I need?

A good rule of thumb for budgeting for Commercial/Business Insurance is about 20 to 30 percent of your business’s gross income. These costs may vary depending on the coverage you need and the risks of certain industries.