Workers Compensation

Workers Comp Programs

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Easy Payment Plans
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Workers Compensation Programs.

Simple, affordable workers comp programs with better payment options. Lower rates. $0 down.

Best Workers Compensation Programs

Purchase workers compensation coverage they way your business needs it.

We offer low cost programs and flexible payment plans to help employers find affordable workers comp coverage fast and easy. Learn more about our target programs and payment options including pay as you go work comp, direct bill, and monthly reporting. We're confident Our Specialists can help you find better rates and more affordable coverage for your business.

Target industries for workers compensation insurane

Program Questions? Call 888-611-7467 for a Workers Compensation Shop Specialist

Workers Comp Billing and Payment Options Workers Compensation Icon.

Pay As You Go Workers Compensation

Our Direct PayGo program allows employers to access our real time pay as you go comp coverage even if they want to keep payroll in house. Clients send us a work comp report each pay period based on actual payroll per class code.

Agency Bill PayGo Insurance

PayGo workers comp plan

Equal Workers Comp Payment Plans

Installment programs are designed to improve cash flow by reducing the down payment to 1/12th of total and extending payment over 12 months.

Hartford XactPay | Pay As You Go Program

Our Hartford XactPay Pay As You Go program is designed specifically for direct online reporting or QuickBooks users. It can interfaces with QuickBooks payroll software and automatically forwards payroll and premium data to The Hartford.  Exact Premium is automatically debited each pay period.

Direct Workers Compensation Billing (Deposit + Installments)

Traditional workers comp insurance programs are based on estimated payroll.  They typically have larger premium deposits (usually 15%-25%) with monthly billing.  The programs work best for smaller employers with consistent payrolls.

Self Monthly Reporting Programs

A do-it-yourself reporting program for employers who choose to calculate and remit their own premium each month. The program usually requires security deposit.

Retrospective Rating Insurance

Designed for companies with premiums in excess of $250,000 that are seeking an incredibly cost-effective opportunity to reap financial reward from good performance. The Program offers flexible risk-financing without complex captive arrangements, and allows customers to craft a solution that satisfies their own appetite for risk.

Some of our target Retro Program customers include:

Painting, Carpentry, Masonry, Excavation, Sand & Gravel, Furniture Moving/Storage, Drywall Construction, Plumbing, Landscaping, Tree Pruning, Crane Operations, Trucking, Trash Hauling, Logging, Saw Mills, Manufacturing, Property Management Companies.

Workers Compensation Captives

A program for higher premiums greater than 500k. Allows client customer to share in the risk and reward of premium to loss ratio with the fronting carrier.

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Workers Comp for Small Business Owners

Workers Compensation for Small Business

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Our Top Selling Programs by Business Type

Find Lower Workers Comp Rates

Our PayGo Programs


Direct PayGo for Business Owners

Easy Pay As You Go workers comp for employers who process their own payroll or use a provider without PayGo. No premium requirements, easier underwriting, and fast quotes.

Pay As You Go Workers' Compensation Insurance

Payroll Plus Workers Comp

Outsource your payroll to our preferred payroll partners or ask us to work with your current provider.

Pay As You Go Workers' Compensation Insurance

Pay As You Go for Payroll Bureaus

Pay As You Go workers compensation programs for Payroll Bureaus. We offer the most Pay As You Go workers comp plans in the country and manage the back-office administration.

Pay As You Go Workers' Compensation Insurance

National Broker Services

Tired of losing workmans comp business to ADP or Paychex? Let us help you offer Pay As You Go workers comp to your customers.

Pay As You Go Workers' Compensation Insurance


Shop Workers Comp Programs in Your State

Workers' Comp Programs by State

At Workers Compensation, we're always working with our insurance partners to develop target programs so business owners get faster quotes, lower insurance rates, and the perfect workers comp coverage for their industry.

Our target workers' compensation programs enable us to choose the right insurance companies who offer lower rates for the classification codes associated with your business. Don't worry if you can't find a target program for your industry, we can still help you find the very best deal on your next policy.

Click on any state to see select rates

Alabama Alaska Arizona Arkansas California Colorado Connecticut Connecticut Delaware Delaware District of Columba District of Columbia Florida Georgia Hawaii Hawaii Hawaii Hawaii Hawaii Hawaii Hawaii Idaho Illinois Indiana Iowa Louisiana Kansas Kentucky Maine Maryland Maryland Massachusetts Massachusetts Michigan Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Hampshire New Jersey New Jersey New Mexico New York New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Vermont Virginia Virginia Washington West Virgina Wisconsin Wyoming Work Comp Map -- Please be patient while this image loads. 



Did you know that the cost of a workers compensation insurance policy can vary significantly between insurance company, underwriter, and insurance agency? Get the facts.

Workers comp class codes   10 Good Questions to Ask Your Agent

Workers comp class codes   Qualify for Pay As You Go Workers Comp

Workers comp class codes   Our Best Selling Programs by Industry

Find the very best deal on workers compensation coverage.
Workers Compensation Experts Better programs equals lower rates.

We offer access to the easiest and most affordable commercial insurance programs online. As your dedicated Work Comp Specialists, let us help you find the very best rates on coverage on workers compensation and your other business insurance needs.

Call us today at 888-611-7467 to get more information about our target comp programs or to see if we can help you save more money on your commercial insurance program.

National Agency Number: 8847381
National Producer Number: 5064979

Contact a Work Comp Specialist