Workers' comp, made simple

Workers' compensation insurance for when your team gets hurt.

Medical care, lost wages, and employer liability when an employee is hurt on the job. We compare 70+ top-rated carriers to place compliant coverage at a fair rate, in plain English.

Compliant coverage in almost every stateCertificates of insurance issued fast70+ carriers compared for you

Workers' comp coverage backed by carriers you know and trust

Built for your industry

One agency, every industry we cover.

Pick your industry to see how workers' comp looks for it — then add your ZIP to start. From job sites to storefronts, we place it all.

How it works

Best fit

Important to understand

ZIP code

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Protect your team. Protect your business.

A quick conversation shows your workers' comp options and confirms exactly what your state requires. Always free, no obligation.

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How coverage stacks

Cover the required core. Add only what fits.

Here's the whole idea in one glance: state-required workers' comp does most of the work, and optional endorsements fill the specific gaps your business or your contracts call for.

The simple version

Two jobs. One protection strategy.

Optional add-ons

Supplemental coverage

Helps with specific gaps such as accidents, hospital stays, critical illness, dental, or vision.

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Major medical

Handles broad covered care: doctors, prescriptions, emergencies, hospital care, and surgery.

01Choose major medical first.02Add a cushion only where it fits your life.

What the policy handles

What workers' comp takes care of after an injury.

Each part covers a different consequence of a workplace injury. Here is what every one of them pays for, so you know what the policy handles and what your state requires.

Medical care

Treatment, hospital, and rehab costs for a work-related injury or illness.

Lost wages

Replaces a portion of an injured employee's pay while they recover and cannot work.

Disability benefits

Support for a temporary or permanent disability caused by a workplace injury.

Employer liability

Legal defense and damages if an injured worker sues the business over the injury.

Death benefits

Support for a family after a fatal workplace accident, including funeral costs.

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Getting covered

Four simple steps to peace of mind.

No jargon, no pressure. We make protecting your team and your business straightforward, start to finish.

Get started

Fill out a quote form or call us

Reach out the way that is easiest. Share a few details about your business and our team takes it from there.

Compare your options

We shop. You choose.

We compare 70+ top-rated carriers for the right workers' comp coverage, value, and rate for your business.

Select your coverage

Tailored. Clear. Confident.

We walk you through your choices so you select the protection that fits your payroll, class codes, and real exposure.

Get your policy

You're protected. We're here for you.

Your policy is active and you are covered. Count on us for service and support whenever you need it.

Start with your ZIP code →

5.0 on Google

Trusted by businesses across 18 states.

A perfect 5.0 rating. Here is what getting covered looked like for a few of them.

From the blog

Insights to help you protect your business.

Plain-English guides on business coverage and compliance — straight from our licensed advisors.

Article

Workers' comp covers medical care and a portion of lost wages when an employee is hurt or becomes ill on the job. It also includes disability and death benefits, and it protects your business from employer liability lawsuits tied to the injury.

In almost every state, workers' compensation is required as soon as you have employees. The exact threshold and rules vary by state, and we confirm what applies to your business before you take on the risk of going without it.

Often, yes. An uninsured subcontractor can still file a claim against your business, and many states and general contractors require coverage even for 1099 labor. We help you sort out who needs to be covered.

Your premium is based on your payroll, your job class codes, and your claims history. Because we are independent and compare 70+ carriers, we match your class codes to the right carrier so you pay a fair, competitive rate.

Once your workers' comp policy is in place, we issue certificates of insurance fast, often the same day, so you can meet a contractor or client requirement without holding up the job.

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