Workers Compensation Insurance
Your people get hurt. You handle it right.
Someone falls off a ladder. A warehouse worker wrecks a shoulder. A back injury turns into six weeks of missed work. Workers compensation pays the medical bills and the lost wages, and in most cases it is not optional. What separates a good program from an expensive one is the detail underneath: whether your class codes are right, whether your experience mod is working for you, and whether anyone is helping you get injured employees back to work.
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Serving the DMV · Since 2007.
Who we serve
We protect businesses that are building something.
Retail & Multi-Location
Storefronts, franchises, and operations opening their second, fifth, or fifteenth location.
Restaurants & Hospitality
Full-service and quick-serve restaurants, caterers, and hospitality groups, where liquor liability, property, and the people behind the counter all need to be covered.
Government Contractors
GovCon firms navigating contract insurance requirements, from professional liability and cyber to bonding and the limits your contracts demand.
Professional Services
Law firms, consultancies, agencies, and accounting practices, including E&O and cyber.
Trades & Contractors
Electrical, plumbing, HVAC, roofing, and general contractors needing builders risk and bonding.
Growth-Stage Companies
Tech, biotech, and startup-scale operations whose coverage needs change every six months.
Not on the list? We still have you covered. Reach out to us!.
How we work
What a commercial advisor should actually do.
Your advisor
A named human, not a 1-800 number.
You get one advisor who learns your operation, knows your team, and remembers what happened at the last renewal. Same person at year five as at year one.
Proactive reviews
We call before renewal, not after a problem.
Annual proactive reviews. Quarterly check-ins for fast-growth clients. If you opened a new location, hired your fiftieth employee, or signed a major contract, we want to know before your policy does.
Carrier breadth
Independent access to diverse markets.
We're not tied to one carrier's appetite. Travelers, Liberty Mutual, Hartford, Cincinnati, Chubb, and dozens of other standard and specialty markets, we shop where your risk profile actually fits.
One roof
Commercial, benefits, and personal - coordinated.
Your business coverage, your team's benefits, and your personal insurance can all live under one advisory relationship. No more retelling your story to three different people.
What it covers
What workers comp actually pays for.
Workers compensation covers medical treatment for work-related injuries and illnesses, a portion of the wages your employee loses while recovering, rehabilitation, and death benefits to dependents in the worst cases. It also includes employer's liability, which responds if you are sued over a workplace injury rather than going through the comp system.
In exchange, it is generally the exclusive remedy: your employee is covered without proving fault, and you are protected from most injury lawsuits. That trade is the whole point of the system, and it is why the law requires coverage in most situations. Maryland and DC generally require it from your first employee. Virginia's threshold is three or more. How employees, officers, and subcontractors get counted is where it gets complicated, and getting it wrong is expensive.
Two things drive what you pay: the classification codes assigned to your payroll, and your experience modification factor. Misclassified payroll is one of the most common and most costly errors we find on new clients' policies, and a mod that nobody is managing quietly raises your premium every year. We audit both.
Medical & lost wages
Employer's liability
Class code & mod review
What our clients say
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"Your team is always responsive and helps us figure out our insurance needs. You really keep up with our pace of business, and we appreciate that every single time."
Miles S.
Long-standing Commercial Client
Think you are covered correctly now?
Let us take a look at your current coverage.
Send us your current workers comp policy, your most recent audit, and your experience mod worksheet. We will check whether your payroll is classified correctly, whether your mod reflects your actual claims history, and whether you are paying for exposure you no longer have. Misclassification is the single most common thing we find, and it is usually worth real money.
FAQ
Questions we hear about workers comp.
Got a different question? Call us directly: (301) 431-0000. Or email us at info@capitolbenefits.com. The fastest way to answer a real question is to ask a real person.
These answers are general summaries. What is actually covered is determined by the terms, conditions, exclusions, and limits of the policy issued to you, and requirements vary by state, carrier, and business.
Get in touch
Let's take a look at what you've got.
A quick conversation. No deck. We'll tell you what's working and what isn't.