Workers Compensation Shop is a licensed insurance agency in all 50 states. We are proud to offer you national workers compensation insurance coverage.

Workers' Compensation Insurance

National Agency, licensed throughout the United States

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Because knowledgeable agents, trusted advice and more choices matter.

Experienced Specialists

Get expert advice on owner exemptions, class codes, state rates, experience modifiers, audits and claims.

Smarter Quotes

Our technology matches your business with insurance companies ready to offer the lowest cost coverage.

Stronger Relationships

We leverage our past performance and premium size to negotiate your best price on workers' compensation.

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Insurance rates vary by company. That's why we quote a diverse group of top-rated insurance companies.

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Featured Workers' Comp Programs

The Easiest Way to buy Workers Compensation Insurance.

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Trucking & Package Delivery

Get exceptional workers' comp rates for short and long haul truckers.

Trucking Program
Workers compensation insurance for home health care agency.

Home Health Care

Find more cash friendly Pay As You Go coverage for Home Health Agencies.

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Janitorial workers' compensation insurance quotes.

Janitorial Services

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A Quick Guide to Workers' Comp Insurance

What is Workers' Compensation Insurance?

Workers' compensation coverage protects business owners and helps employees recover from injuries and illness caused by their job. Accidents and injuries happen. A workers' comp policy provides a no-fault system to pay medical bills and help with lost wages when there's a claim.

Workers' compensation insurance also includes Employers Liability coverage in most states. This part of coverage protects businesses from lawsuits. It can help pay for legal costs and even settlements for employee-related legal claims.

Who Needs Workers' Comp Insurance?

A business is required to have workers' compensation coverage as soon as the business hires their first employee in most states. However, some state laws require coverage at two or more employees.

Each state also has its own rules and requirements for owners' exemptions. The percentage of ownership and type of business guide the determination for who can be included and excluded from coverage. Employers need to take very specific steps in order to properly be excluded from coverage. Otherwise, their payroll may added to the policy during an audit.

How Much Does Workers' Comp Cost?

Workers' compensation insurance rates are expected to decrease for the 7th consecutive year. Rates will vary by state, class code and insurance company. They are calculated using your estimated annual payroll and your class codes. Each class codes is based on overall risk characteristics of your business and employee job duties.

Most states allow insurance companies to offer policy credits up to 25% for qualified businesses. Nobody shops workers' comp insurance better.

How does workers comp work?
Fast workers comp quote.

Why Choose us for Your Workers Compensation Insurance?

Enjoy exceptional service and a more competitive renewal process.

Fast Certificates of Insurance

Get certificates of insurance, or proof of coverage, on demand so you can get back to work.

Easy Policy Changes

We're here to help with policy endorsements and questions about your coverage.

More Knowledgeable Advice

Obtain unbiased help with work injuries, employee claims, annual audits and new state requirements.

Fair-Minded Insurance Renewals

Don't let the cost of your coverage creep up each year. We keep the insurance company honest.

The Best Workers' Comp Insurance for Small Business

No Money Down

Improve cash flow with our national Pay As You Go Workers' Compensation. Reduce the cost of getting started and pay premium based on actual wages.
Tough Class Codes
Get quotes for the toughest NCCI class codes and higher experience modification rates with partners that specialize in high hazard industries.
Independent Insurance Agent

Easy Payment Plans

Enjoy special terms with partners offering more flexible payment options like 12 equal installment plans and monthly reporting.

Quick & Accurate

Get a detailed snapshot of what your coverage will cost based on optional policy limits and exemptions.

How to Get Workers' Comp

How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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