Workers Compensation

Your local independent agents are ready to help you find the coverage that suits you best.

Protect your most important asset, your employees, with a workers compensation policy from Auto-Owners. This policy will provide medical and wage loss benefits for on-the-job injuries of your employees, and also protects your business by transferring your obligation of the risk to us.

Workers compensation is extremely regulated and compliance is different for each state. Your local independent agent representing Auto-Owners is here to help with expert knowledge to make sure you and your employees are properly covered.


Workers Compensation

Required coverage for employers that provides state-mandated benefits to employees due to job-related injuries, including death, resulting from workplace accidents or occupational diseases.

Employers Liability

Provided with a workers compensation policy, protects you if you become liable for injury to an employee for a job-related injury that is not covered under the workers compensation law.

Optional Coverages

Waiver of Subrogation

With this endorsement, the insurer waives their right of subrogation against third parties who may be responsible for an injury.

Voluntary Compensation and Employers Liability Coverage Endorsement

This endorsement is used to provide these coverages to employees who are not subject to the state‚Äôs workers compensation law.

Partners, Officers and Others Endorsements

We provide the option to include or exclude partners, officers or others under the workers compensation policy.

Loss Control Services

A complimentary service provided by our experienced team of loss control consultants. Our goal is to help you identify solutions for potential gaps in safety programs and risk mitigation.

Ways to Save

We offer many discounts, ensuring you get the right insurance coverage for your business at an affordable price.

Multi-Policy Discount

Receive premium savings when you have other qualifying policies with Auto-Owners.

Life Multi-Policy Discount

Receive premium savings when you have a qualifying life insurance policy with Auto-Owners.

Paid-in-Full Discount

Save more if you pay your annual policy premium in full and on time.

Group Discount

This discount may apply when your business is affiliated with certain organizations, such as chambers of commerce, credit unions and trade associations.


Drug testing as a condition of employment or following an accident could qualify your business for a discount.


Assuming some of the risk yourself by choosing a higher deductible may reduce your policy premium.

Group Health Plan (MI Only)

If you provide a healthcare plan for your employees, you could be eligible for a discount.

A-O Injury Hotline

For all non-emergency work injuries, call the A-O Injury Hotline, a 24/7 triage service for workplace injuries. This service is designed to help employees when they are injured at work. If further treatment is recommended, a claim will be initiated on the policyholder's behalf.


A-O Injury Hotline Instructions

How do I get a quote?

We offer our insurance products through independent agents because of the many advantages they offer you. Use our Agency Locator to find an independent insurance agent near you to get a quote. 

Contact an Agent