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

Get Better Workers' Comp Insurance Quotes

Because knowledgeable agents, trusted advice and more choices matter.

Experienced Experts

From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.

Fast Quotes

Our technology matches your business with insurance companies most likely to offer the best deals.

Strong Relationships

We leverage our experience and relationships to negotiate your lowest workers' comp rates.

More Choices

No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.

Our mission is great customer service


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Featured Workers' Comp Programs

Let's find your lowest workers' compensation rates.

Amazon Delivery Service Partner DSP Workers Compensation Insurance.

Amazon Delivery DSP

Get lower workers' compensation rates for Amazon Delivery Service Partners.

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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

Save up to 30% on workers' comp for Environmental Services and Janitors.

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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 provides business protection from lawsuits and can help pay for any legal costs.

When Does a Business Need a Work Comp Policy?

In most states, a business is required to buy a policy as soon as the business hires a single employee. Other states require coverage at two or more employees.

Each state also has its own rules for owners' inclusion and exclusion under the policy. The percentage of ownership and type of business affect these rules. 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.

Expect Better Customer Service

Enjoy exceptional service and a better renewal process.

Fast Certificates of Insurance

Our fast and friendly service team issues coverage certificates on demand.

Easy Policy Changes

We help our customers with policy changes and questions about your coverage.

More Knowledgeable Advice

Our staff advises on employee claims, annual audits and changing state rules.

Better Renewal Process

Having more insurance carriers allows us to shop your renewal every year.

Best Workers' Comp Insurance for Small Business

No Money Down

National access to 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 modifiers 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 quick and detailed snapshot of what your coverage would cost based on optional coverage limits and exclusions.
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

Ready to Start Your Quote?

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Important information about workers' compensation coverage as it relates to the Coronavirus pandemic.


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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