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.
Better Choices
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.
Trucking & Package Delivery
Get exceptional workers' comp rates for short and long haul truckers.
Trucking Program
Home Health Care
Find more cash friendly Pay As You Go coverage for Home Health Agencies.
Coverage Details
Janitorial Services
Save up to 30% on workers' comp for Environmental Services and Janitors.
Get Janitorial Insurance QuotesA 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.
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
Tough Class Codes
Easy Payment Plans
Quick & Accurate
How to Get Workers' Comp
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- 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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