Workers’ Compensation is one of those quiet systems most people never think about, until the moment something goes wrong. But when an employee gets hurt on the job, Workers’ Comp becomes everything. It’s the mechanism that steps in to pay for medical care, rehabilitation, and lost wages. It’s the difference between a worker being able to heal without financial ruin and a family’s stability collapsing under the weight of an unexpected injury.
Think about the places where people do physical, hands-on work every day. Restaurants with hot, crowded kitchens. Delivery trucks navigating tight schedules. Manufacturing floors moving at full speed. Construction sites where one misstep can change everything. These are real people doing real work, and they deserve to be protected while they do it.
For employers, especially small and mid-sized businesses (the backbone of so many communities) Workers’ Comp is equally essential. Most states legally require it, and for good reason: a single workplace accident can cost tens of thousands of dollars. Without stable coverage and fair pricing, many businesses simply couldn’t operate. Workers’ Comp is what allows a contractor, a delivery company, or a local manufacturing shop to do their work knowing that one unexpected injury won’t bankrupt the enterprise or devastate a worker’s family.
But here’s the part of the story most people never see: Workers’ Comp only functions if there’s stable, reliable reinsurance backing it up. Because Workers’ Comp claims can take years to fully develop — with medical costs, rehabilitation, and wage replacement stretching over time — insurers need deep, dependable capital behind them to price policies responsibly and honor long-term commitments.
When that capital becomes unstable or dries up, the consequences are immediate and human. Premiums spike for small businesses. Coverage becomes harder to find. Employers delay hiring. Workers face slower claim handling exactly when they need support most. The safety net starts to fray.
This is where Re comes in.
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By bringing Workers’ Comp programs onchain, Re offers something the traditional system struggles to provide: transparent, verifiable capital that moves efficiently and stands ready when real-world losses occur. Not to focus on insurance mechanics, but to strengthen the protections that workers, families, and small businesses rely on every day.
Re’s approach helps keep coverage accessible and stable. It supports predictable pricing for employers, which means fewer disruptions to hiring and growth. It gives insurers clearer visibility into the capital backing their programs, reducing delays and friction when workers need care. And because capital can move efficiently onchain, the system is better positioned to absorb shocks and stay reliable during times of stress.
In other words, Re isn’t just deploying capital, we’re reinforcing a system that millions of people depend on to keep their lives stable.
Our Workers’ Comp pipeline goes far beyond being a segment of business. It represents the restaurant worker who slips on a wet floor. The truck driver injured lifting cargo. The warehouse employee with a repetitive motion injury. The small business owner balancing tight margins and trying to do right by their team.
For every authorization Re issues, there is a real person and a real company standing behind it.
This is where Re’s broader mission comes into clear focus: we’re building a modern safety net where capital flows cleanly to where it’s needed, where protection is accessible, and where the infrastructure behind everyday resilience finally catches up to the world we live in.
Workers’ Comp is just one example. But it’s a powerful one because it shows exactly what’s at stake: human wellbeing, community resilience, and the freedom for people and small businesses to work, grow, hire, and heal.
That’s the future Re is working toward.