States with private insurance markets
In most states, employers buy workers comp from private insurers, with a market of last resort for businesses that are hard to place.
States with a competitive state fund
These states have a state-chartered or state-created carrier that competes with private insurers and often serves as the market of last resort. You can still compare it with private carriers.
Monopolistic state-fund states
In these states, workers comp comes from the state fund. Private agents can help with stop-gap employers liability and coverage for employees in other states.
Optional coverage
Texas lets most private employers decide whether to carry workers comp.
Coverage by industry
Contractor workers comp
Workers comp for general contractors and trades like roofing, electrical, plumbing and painting. How class…
Retail workers comp
Workers comp for retail shops, boutiques, convenience stores and specialty retailers. What it covers, typical…
Restaurant workers comp
Workers comp for restaurants, cafes, bars and caterers. Burns, cuts and slips, tipped payroll, kitchen safety…
Trucking workers comp
Workers comp for trucking companies, owner-operator fleets and delivery operations: driver classification,…
Transportation workers comp
Workers comp for couriers and limousine, shuttle and medical transport companies: driver exposures,…
IT consultant workers comp
Workers compensation for IT consultants, MSPs and technology firms. Clerical vs. field technician classes,…
Programmer workers comp
Workers compensation for software companies, app developers and programming teams, including startups with…
Small business workers comp
Workers comp for small businesses: when it is required, how premium works, pay-as-you-go billing and how to…
New business workers comp
Hiring your first employee? How to get workers comp without prior insurance or loss history, and what…
New venture workers comp
Workers comp for new ventures, joint ventures, LLCs and partnerships, including experienced owners starting a…
Disability coverage
Which states require employers to provide short-term disability benefits, how it differs from workers comp,…