Workers Compensation Insurance Quotes for Employers
Tell us about your payroll and the work your team does. A licensed agent will review your class codes and shop workers comp coverage for your state.
Get a workers comp quote
Free Workers Comp quote request. No obligation to buy.
- Statutory workers comp plus employers liability
- Pay-as-you-go payroll options where available
- New businesses and first-time employers welcome
Why request your Workers Comp quote here
Priced on your real class codes
Premiums are built from payroll per $100 in each job classification. An agent checks that clerical staff, drivers and field workers are classed correctly, because a misclassified employee can raise the rate for the whole policy.
Employers liability included
A standard policy has two parts: statutory benefits for injured employees, and employers liability that responds if your company is sued over a workplace injury. Your agent can explain the limits that fit your contracts.
Help with the year-end audit
Workers comp is usually audited after the policy term to compare estimated and actual payroll. Getting payroll estimates right at the start helps avoid a surprise bill later.
Certificates for job sites
General contractors and property managers often ask for a certificate of insurance or a waiver of subrogation before work starts. Ask for these when you bind so you are not delayed.
How it works
Describe your payroll
Share the type of work, headcount and an approximate annual payroll. Rough numbers are fine for a first look.
An agent reviews class codes
A licensed agent matches your operations to class codes and checks your state's rules and any experience modification.
Compare and start coverage
You review the options you receive, ask questions, and choose a policy only if it makes sense for your business.
How workers compensation insurance works for employers
Workers compensation insurance pays medical bills and a portion of lost wages when an employee is hurt or becomes ill because of their job. In exchange, the injured worker generally cannot sue the employer for that injury, which is why most states make coverage mandatory once a business has employees. The details, including how many employees trigger the requirement and whether owners or officers can opt out, are set by each state.
The cost of a workers comp policy is driven mainly by three things: the classification codes that describe the work, the size of your payroll in each code, and your experience modification factor if your business is large enough to have one. Office roles typically carry low rates, while roofing, trucking and other physical trades carry higher ones. Safety programs, return-to-work plans and a clean claims history can all help over time.
Many small employers also like pay-as-you-go billing, where premium is calculated from each payroll run instead of a large deposit. Not every carrier or state offers it, so ask the agent who contacts you whether it is available for your class of business.
Information that speeds up a workers comp quote
- Federal EIN and the states where employees work
- Payroll split by job duty, plus any subcontractor costs
- Prior carrier and five years of loss runs, if you had coverage
- Your current experience modification worksheet, if you have one
Workers Comp FAQ
Do I need workers compensation if I only have one or two employees?
It depends on your state. Many states require coverage as soon as you hire your first employee, while others set a minimum headcount or treat certain industries such as construction differently. An agent can confirm the rule for your state and business type.
Can a sole proprietor buy workers comp for themselves?
In many states owners and partners can choose to include or exclude themselves. Some owners buy coverage because a client or general contractor requires proof of workers comp on every job.
How is the premium calculated?
Premium is generally the rate for each class code multiplied by every $100 of payroll in that code, then adjusted by any experience modification, schedule credits and state fees. The final premium is confirmed by the payroll audit after the policy ends.
What is an experience modification factor?
It is a number that compares your past claims to other businesses of the same size and type. A factor below 1.00 lowers premium and a factor above 1.00 raises it. Smaller businesses may not have one yet.
What does employers liability insurance cover?
Employers liability is Part Two of a standard workers comp policy. It can help with lawsuits connected to a workplace injury that fall outside the workers comp benefit system, such as certain third-party-over claims, up to the limits on the policy.
Is requesting a quote here free?
Yes. Submitting the form costs nothing and does not obligate you to buy. Quotes come from licensed insurance agents and partners, and the insurer sets the final price and terms.
Ready to price your workers comp policy?
Share a few details about your team and a licensed agent will follow up with options for your state.
Request My Workers Comp Quote