Small Business Workers' Comp


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Workers' Comp Coverage and Business Insurance

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

We partner with the best top-rated insurance carriers.

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.

Our Top Business Insurance Companies

Markel FirstComp is a national insurance company licensed in all states.

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for most small business owners.

Accident Fund

The Hartford Insurance specializes in workers' compensation across the United States.

The Hartford

The Hartford is a national insurance carrier with exceptional rates on offices, doctors and attorneys.

The Hartford

Travelers Workers Compensation Insurance.

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for most types of small business owners.

Travelers Insurance

Employers Insurance Company- Small business workers compensation insurance.

Employers Insurance

Employers offers excellent rates as well as loss control resources for all small business workers' comp classification codes.

Employers Insurance

Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.

Chubb

Chubb quotes all lines of business and has terrific rates for lawyers, teachers, business offices, medical, and sales organizations.

Chubb Insurance

State Auto is a fast growing insurance company with a very broad underwriting appetite.

State Auto

State Auto has some excellent rates for offices such as accounting firms, physicians, dentists, therapists and more.

State Auto Insurance

Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of small business.

Great American Insurance Group

AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.

AmTrust

AmTrust Financial provides exceptional value for many business types within the professional classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
Shop coverage like a Pro.

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Workers' Compensation Codes Related to Business Professionals

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. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 8742 | Sales and Consulting

Class code 8742 is a very broad class that encompasses many industries and business segments. This code assumes that these professional may utilize a vehicle to travel from place to place for meetings and consultations. Businesses that often fall under this class code include outside sales professionals, agents, marketing firms, collection services, event planners, financial planners, manufacturing representatives and other similar sales organizations.

Class Code 8810 | Office and Clerical

professional employees working in an office will typically belong under class code 8810 when the do not use a vehicle as a regular part of their job. It is very common for a business to have some employees under the sales class and some employees under the clerical class code on a workers' comp policy. These codes apply to all businesses when no other more specific class code exists.

Class Code 8832 | Doctors' Office

This is the standard class used to quote coverage for a typical doctor's office. It also applies to therapists, medical laboratories, optometrists, dentists and outpatient surgical centers.

Class Code 8820 | Law Firms

This classification applies to all employees of a law firm including attorneys, clerical, messengers, and couriers.

Class Code 8803 | Accountants

Code 8803 is the standard national class code for most accountants and auditors. This class contemplates additional driving exposure from a standard clerical class code (8810).

Class Code 8868 | Academic Professionals

This is the standard classification used for teachers and professional staff associated with schools, colleges, and other learning institutions.

Alternative State Class Codes for Business Professionals:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
8751 | Route Salespersons New York
8743 | Mortgage Brokers California
8834 | Medical Lab California
8839 | Doctors Office California
951 | Outside Sales Professionals Delaware / Pennsylvania
953 | Office and Clerical Delaware / Pennsylvania
957 | Medical Delaware / Pennsylvania

Related: Accounting, tax preparation, bookkeeping, payroll bureau, employment placement agency, recruiting firms, insurance agent, auditor, claims adjuster, title company, mortgage broker, loan officer, public relations, advertising firm, debt collection, interior decorator, wedding planner, logistics, business consulting, travel agent.

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

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

Get the Best Professional Insurance Coverage

A lot of small 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 our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing small insurance insurance since 2005.

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

Lower Your Small Business 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 for our customers. Ask about our package insurance options for business professionals:

  Workers' Compensation and Employers Liability
  General Liability Insurance
  Professional 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 business Insurance Cost?

The average rate our customers pay for workers' compensation is around $0.45 cents per $100 of payroll. The average cost for a general liability insurance policy is about $495.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of business can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates are typically based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of work done matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by industry

E&O Costs

  • Errors and Omissions rates are based on the profession
  • Gross revenue may affect pricing
  • Security and sensitive data matters to underwriters
  • Prior clams and years in business affect pricing
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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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Pay As You Go Workers Compensation Insurance 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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