Workers' Compensation Brokers

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Prefer to speak with A Workers' Compensation Specialist?

Give us a call today at 888-611-7467

National Insurance Brokers

Workers' Compensation is a national insurance agency and brokerage firm specializing in workers' comp insurance. Because of our national scope and and premium volume, we have access to more insurance markets and programs. Whether you're a new insurance agent or seasoned professional, we can help you win more business and find lower rates on coverage.

We've been helping agents find better deals on coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates. That's why we've developed target programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing workers' comp and liability insurance.

Why Quote Workers' Compensation Insurance With Us?

Knowledgeable Experts

We help with ownership exemption rules, class code reviews, audits & claims.

More Insurance Markets

We built a diverse group of 50 carriers to write more classes of business.

Stronger Relationships

We use our experience and relationships to negotiate a better price.

Fast Quotes

Our technology tracks carriers rates by class code, so we know where to shop.

Complete our form or call an expert. M-F 8am-5pm CST

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Getting Workers' Comp Quotes

Getting Started

We're ready to help with any submission you have. In order to share commission, we require the following:

  • Active insurance license copy
  • Current E&O Declaration page
  • Completed W-9 Form
  • Signed Brokerage Agreement

What We Need to Quote

Accord 130 Workers' Comp Application
Loss runs for prior 3 years (if applicable)
Supplementals and No Loss Affidavits may be requested
* New business coverage available for most classes
We help insurance agents find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

Start a Quote

Workers' Compensation Insurance Coverage-
Made Easy

Workers Compensation Shop writes coverage for over 500 class codes. Our partnerships with top-rated carriers and exclusive programs help retail agents find the best deal on coverage for most industries. Premium sizes range from under $1,000 to over $1,000,000.

Workers' Comp Class Codes

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. They could end up paying too much for coverage or owing more money after an annual audit.

Target Programs and Classes

We offer solutions for standard industries and hard-to-place class codes. Some of our target classes include:

Health Care Home health, assisted living, skilled nursing, retirement, hospice, counseling
Hospitality Restaurants, bars, hotels, motels, musicians
Non-Profit Organizations Social services, group homes, counseling services, youth centers, independent living
Transportation Amazon delivery, trucking, towing, parcel delivery, pizza delivery, refuse collection, non-medical transport
Contractors Carpentry, electrical, plumbers, HVAC, flooring, roofing, painting, masonry, framing
Service Companies Daycare, staffing, janitorial, lawn care, landscapers, auto repair, tree service
Manufacturing Wood products, textile, food production, pharmaceutical, cosmetic
Cannabis Dispensaries, growing operations, cultivation, harvesting, cutters, infusion, edible production, compounding
Workers Compensation is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation is a national Agency, licensed throughout the United States.

Best Commercial Insurance Brokers

A lot of businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help retail insurance agents find the best insurance rates for each unique state and type of business. Our Pay As You Go plans will improve business cash flow and protect businesses from large audit bills. We work with all types of licensed insurance agents and help companies with higher EMR Ratings. We've been writing wholesale insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Commercial Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

Retail vs Wholesale Insurance

What is a Retail Agency?

A retail insurance agent typically works directly between an insurance company and a customer in order to quote, service and renew insurance coverages. The agent may be captive to one insurance company or an independent agent contracted with multiple insurance companies. Retail agents do not have the authority to place insurance coverage for other retail agents. Instead, retail agents utilize wholesale insurance brokers in order to get access to insurance companies when they do not have an agency contract with one or more of the insurance companies they want to access.

What is Wholesale Insurance?

Wholesale insurance provides retail agents with access to insurance carriers when they are not appointed to write business with the carrier. Most often, wholesale brokers work between the insurance companies and the retail agent, rather than the agent and customer. However, they may function as a retail agent in some situations. Brokers are authorized to place business for other retail agents. Wholesale brokers typically have expertise in particular lines of coverage and are held to higher production standards than retail agents. They often have greater influence over underwriters, which helps place more difficult risks.

How to Become an Independent Insurance Agent?

Regardless of what type of insurance you choose to pursue, a state insurance license is required before you can sell insurance. Once licensed, an insurance agent may seek appointments with insurance companies or the may join forces with an independent insurance agency. Since getting carrier appointments can be a challenge for agents who do not have millions of dollars in premium, most agents choose to work with independent agencies.

Our brokerage firm works with insurance agents on a No-Volume Requirement basis. Many of our agent partners work from home and have very little overhead. Other agents or agencies we work with specialize in other lines of coverage and utilize our services to increase their revenue and round out accounts. Agency partners may utilize our agency software and service center for customers and prospects under some circumstances. Contact us for more details.

We Compare Rates:
You Get Better Quotes

Wholesale Workers' Compensation Insurance

Our workers' comp brokers take the time to review work comp class codes in order to make sure we quote the policy correctly. We work directly with NCCI to validate job classifications and state rules regarding owner exemptions. We help educate and advice our partners on how to negotiate with underwriters to get the most favorable pricing.

At Workers Compensation, we're experts at workers' compensation insurance because its our core focus. Our insurance partners know we mean business when it comes to the importance of speed and price. We typically turn workers comp quotes in less than 24 hours so you're presenting solutions to your customers quickly.

Get Started Now

Start a quote or pick a state to learn more.

Lower Your Clients' Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions. Ask about our commercial package insurance options:

  Workers' Compensation and Employers Liability

  General Liability Insurance

  E&O Insurance

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Commercial Insurance Cost?

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • The state and EMR Rating will affect the premium
  • Class codes will determine rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates are based on sales or payroll depending on the industry (rated per $1000)
  • Gross revenue does affect pricing
  • The business operations matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by industry

Professional Liability Costs

  • Errors and Omissions rates are based on services offered and type of clients
  • Employee count and policy limits affect pricing
  • Security and sensitive data matters to underwriters
  • Prior clams and years in business affect pricing
There's good service.
Then there's Trusted Service.
Thanks for the award Feefo- Work Comp Shop
Feefo Gold standard award for exceptional customer service.

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

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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