Workers' comp, made simple

Protect your employees. Protect the business they help build.

A workplace injury or occupational illness can affect your people, operations, and business. Workers' compensation may provide benefits for covered work-related injuries and illnesses while helping employers meet applicable state workers' compensation obligations.

Coverage guided by your state’s rulesCertificates of insurance issued fastMultiple carriers compared for you

Requirements, eligibility, and availability vary by state, business type, employee classification, carrier, and underwriting. Requesting a quote does not bind coverage.

Workers' comp coverage backed by carriers you know and trust

Built for your industry

Workers’ compensation solutions for many types of businesses.

Pick your industry to see how workers' comp applies, then add your ZIP to start. Different businesses create different workplace exposures, so we help you evaluate available options based on operations, workforce, payroll, and job duties.

How it works

Best fit

Important to understand

ZIP code

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Protect your people. Strengthen your business.

When a covered employee experiences a work-related injury or occupational illness, the impact can reach beyond the incident. The right workers' compensation program can help eligible employees access applicable benefits while helping the business address its responsibilities under state law.

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How the policy is structured

Built around your workforce. Guided by your state’s requirements.

Workers' compensation is not one-size-fits-all. A standard policy generally combines Part One (statutory workers' compensation) and Part Two (employers liability), shaped by your state's requirements, workforce, payroll, and operations.

The simple version

Two jobs. One protection strategy.

Part two & endorsements

Employers liability and endorsements

Employers liability plus state- or contract-driven endorsements, where applicable.

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Part one

Workers’ compensation

Statutory medical, wage-replacement, disability, and death benefits, as required by your state.

01Part One responds to statutory obligations.02Part Two and endorsements follow your state and contracts.

What the policy handles

What workers' compensation may provide after a covered work-related injury or illness.

Depending on applicable state law and the facts of the claim, workers' compensation may provide the benefits below. Benefit types, amounts, waiting periods, and eligibility vary by state.

Medical benefits

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

Wage-replacement benefits

A portion of lost income for an eligible employee who cannot work while recovering, subject to state limits.

Disability benefits

Benefits for a temporary or permanent disability from a covered workplace injury or illness, as applicable.

Rehabilitation / return-to-work

Support that can help an eligible employee recover and return to work, where the program and state provide it.

Death & dependent benefits

Benefits for eligible dependents after a fatal covered workplace injury or illness, including certain funeral costs, as applicable.

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Getting covered

From business details to coverage. Four clear steps.

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

Tell us about your business

Fill out a quote form or call us

Share your operations, payroll, employees, and job duties, and our team takes it from there.

Review exposures and markets

The details underwriters weigh

We review your exposures and the available markets, matching your class codes and payroll to carriers that fit.

Compare available options

Tailored. Clear. Confident.

We compare available options and key terms so you can weigh what fits your business and your state’s requirements.

Confirm and bind

We’re here for you.

Complete carrier requirements and receive confirmation when coverage is bound. Submitting an application or requesting a quote does not by itself bind coverage.

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5.0 on Google

Helping businesses navigate workers’ compensation with confidence.

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

From the blog

Workers’ compensation insights for business owners.

Workers’ compensation insights for business owners — plain-English guides on the issues that can shape your program before an injury happens.

A small business owner using a tablet in her café

Article

Depending on state law and the claim, workers' compensation may provide medical benefits, wage-replacement and disability benefits, and death or dependent benefits for covered work-related injuries or illnesses. A standard policy also includes Part Two employers liability, which addresses certain employee bodily-injury claims outside statutory benefits, subject to policy terms.

No single nationwide rule applies to every private employer. Requirements are generally set by state law and can depend on employee count, business type, ownership structure, and industry. For example, Georgia generally requires coverage for employers with three or more employees, while Texas generally lets most private employers choose whether to carry it. We help you understand what applies to your business, and you can also consult your state's workers' compensation authority.

Often, yes. An uninsured subcontractor can still lead to a claim against your business, and many states and general contractors expect coverage even for 1099 labor. Worker status is not determined by a 1099 label or contract wording alone, so it is worth reviewing who actually needs to be covered.

Premium is generally based on your payroll, job class codes, and claims history (experience modification). Because we are independent and compare many carriers, we help match your class codes and payroll to markets that fit your business.

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.

Rules vary by state and business structure. Owners, partners, and officers may be included automatically, allowed to opt out, or required to elect coverage using specific forms.

It can. Work-related injuries may be covered even when an employee works from home, but the facts of the injury, state rules, and whether the activity was job-related all matter.

You may need to add that state to your policy or obtain separate coverage before work begins. State benefit rules and carrier authority vary, so tell your advisor before the employee starts.

They cover different things. Workers’ compensation responds to work-related injuries and illnesses of your own employees, while general liability addresses certain third-party bodily injury or property-damage claims. Many businesses carry both.

Coverage is effective only when it is properly bound or issued through the insurer or authorized agency process. Requesting a quote, submitting an application, or making a payment request does not by itself create coverage.

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Workers’ compensation requirements, benefits, exclusions, eligibility, and policy terms vary by state and insurer. Coverage is subject to underwriting, applicable law, and the terms, conditions, exclusions, and endorsements of the policy issued. Not all products or carriers are available in all states or for all businesses. A request for a quote or submission of an application does not constitute a binder or guarantee of coverage. Employers should consult the applicable state workers’ compensation authority regarding legal requirements for their business.