Required coverage with real support when it matters most.

Protect Your People, Protect Your Business

Workers' comp isn’t just a legal requirement—it’s a way to take care of your team when they need it most. From medical bills to lost wages, this coverage protects both your employees and your business when accidents happen. At Schutz Insurance, we help Alabama employers understand what’s required, what’s smart, and how to manage costs without cutting corners.

What It Covers

A car is parked in front of a house in the snow.

Medical Expenses

Covers doctor visits, hospital care, rehab, and prescriptions if an employee gets hurt on the job.

Lost Wages

Pays a portion of missed income while your employee recovers from a work-related injury or illness.

Employer Liability

Protects your business from lawsuits related to workplace injuries not covered by standard benefits.

Frequently Asked Questions

  • Is workers' comp required in Alabama?

    Yes—if you have five or more employees, it’s required by law. Even if you’re smaller, it’s strongly recommended.

  • Are part-time or seasonal workers covered?

    Typically, yes. Alabama law treats part-time workers as employees for workers' comp purposes.

  • How are premiums calculated?

    Rates are based on payroll, industry classification, and claim history. We’ll help you understand what affects your cost.

  • Can I bundle this with my other business policies?

    Yes. We often package workers' comp with general liability or a BOP to streamline coverage and billing.

  • What happens if I don’t carry coverage?

    You could face fines, lawsuits, and major financial risk. We’ll make sure you’re compliant and protected.

When someone on your team gets hurt, workers' comp can be the safety net that keeps everyone afloat. At Schutz Insurance, we make sure you’re covered the right way—with honest advice, straightforward policies, and local service you can count on.