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    To help make workers' compensation insurance simple and transparent, we have answered some frequently asked questions below. If you have a question that isn't answered here, you can speak with an IOA advisor at any time.

    What is workers' compensation insurance?
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    Workers' compensation insurance protects your employees and your business. If one of your employees has a work-related injury or illness, your insurance will pay for their related medical care and disability benefits while they're off work.

    Zenith's team of specialists will work with you and your sick or injured employee to help them recover and return to work as soon as possible.

    To learn more, visit Zenith's website.

    Do I need workers' compensation insurance?
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    Workers' compensation insurance is required for most businesses that have employees. If you don't have it, you can be subject to fines. Accidents can and do happen, so invest in protecting yourself and your team with quality coverage delivered by Zenia.

    Get a quote today. It only takes a few minutes.

    Am I covered by Zenia or Zenith?
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    When you buy workers' compensation insurance through Zenia, your policy will be issued by Zenith Insurance Company, the premier workers' compensation specialist. You'll be eligible for everything offered to Zenith policyholders.

    Learn more about Zenia and our partners, Zenith and IOA.

    How does Zenia decide what my insurance will cost?
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    The cost of your insurance is based on your business type, what your employees do, and your total payroll. We'll learn all about your business during the quote process.

    Then, using artificial intelligence, we combine that information with Zenith's underwriting knowledge and outside data sources like credit and federal employer identification numbers (FEINs) to calculate the best rate and payment plan for you.

    Want to know how much it will cost to insure your business? Get a quote.

    How do I pay for my policy? Do I have to pay up front?
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    There are lots of ways to pay for your insurance. You can pay by:

    •   Electronic or e-check payment (directly drawn from your bank account)
    •   Credit card
    •   Check by mail

    You can pay up front if you want to, but to help you manage cashflow, we also offer flexible payment plans. You can choose the option that works for your business.

    When does my policy start?
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    Your policy can start any time in the next 90 days. Policies are issued for one year. If you need a different start date, chat with an advisor.

    What happens after I buy insurance?
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    Once you have bought insurance, you will receive a welcome kit. The kit contains all of the forms and notices you need to comply with state laws and the forms you'll need if an employee is ever injured. You can also download these forms from the Zenith Solution Center ®.

    Your business is protected from the date you choose to start your policy. From that day on, you can access all the features and benefits.

    What happens if my employee is injured at work?
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    Report injuries as soon as you know about them. You can report online on Zenith's website or call 800-440-5020, and we'll take it from there.