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Protect your business from third-party claims of bodily injury, property damage, and advertising injury. The essential coverage every business needs — tailored to your industry.
Top-rated partners
Fast online quoting
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Work comp insurance is a state-mandated coverage that pays for medical treatment, ongoing care, and lost income when an employee gets hurt on the job or becomes sick due to their work environment. In exchange for carrying this coverage, your business is generally protected from employee lawsuits over those same workplace injuries. It’s not optional in most states, it’s the law.
Pays for doctor visits, hospital stays, surgeries, prescriptions, physical therapy, and any necessary medical equipment. No deductibles, no copays just employees pay nothing out of pocket for work-related injuries.
Replaces a portion of lost income when an employee cannot work due to a job-related injury or illness. Typically covers about two-thirds of their average weekly wage, tax-free.
Four types: Temporary Total (can't work at all while recovering), Temporary Partial (can work reduced hours), Permanent Total (never return to work), and Permanent Partial (permanent impairment but can still work).
If a workplace injury or illness results in death, workers compensation pays funeral expenses and provides ongoing income replacement to the employee's surviving dependents, typically spouse and minor children.
A comprehensive workers comp insurance coverage policy includes multiple benefit types that work together to protect both your employees and your business from financial devastation after a workplace accident.
Covers medical bills and lost wages when an employee falls off a ladder, roof, or scaffolding. Essential for contractors and roofers.
Pays for concussion treatment and recovery when a worker is hit by falling tools, boxes, or equipment on the job.
Covers carpal tunnel, back strain, and tennis elbow from years of same-motion work, surgery and rehab included.
Protects employees injured while driving for work, deliveries, errands, or travel between job sites.
Covers lung disease, asthma, and allergic reactions from daily exposure to cleaning chemicals, fumes, or dust.
Pays for emergency surgery, hospital stays, and disability benefits when a worker is injured by moving equipment or tools.
These real-world scenarios show why workman’s comp insurance isn’t a luxury, it’s what separates a manageable claim from a potentially business-ending lawsuit. Without proper coverage, even a single workplace injury can lead to serious financial and legal consequences.
A crew member slips on wet shingles and falls 12 feet, breaking their leg. Workers’ comp covers emergency surgery, physical therapy, and lost wages for 8 weeks, no lawsuit, no out-of-pocket costs.
An employee spills hot oil while cooking and suffers second-degree burns on their arm. Medical bills hit $15,000.
Employee workers compensation pays everything while protecting the owner from a negligence lawsuit.
A driver develops herniated discs after years of lifting heavy packages.
Work comp covers spine surgery, pain management, and partial wage replacement if they can no longer do the job.
A cleaning employee develops severe respiratory issues from daily exposure to industrial cleaners.
Workers compensation insurance covers ongoing treatment, inhalers, and lost time while they recover or retrain for a different role.
Understanding your policy’s limits helps you choose the right level of protection for your business size and risk exposure.
Per-Occurrence Limit
$1M – $2M
Included
Max per single claim event
General Aggregate Limit
$2M – $4M
Included
Total for all claims per policy year
Products/Completed Ops
$2M aggregate
Included
Applies after work is finished
Personal & Advertising Injury
$1M per occurrence
Included
Defamation, IP infringement
Damage to Rented Premises
$50K–$300K
Included
Fire, explosion damage to rented space
Cyber Liability Rider
$250K+
Add-On
Optional endorsement
Umbrella / Excess Coverage
$1M–$5M+
Add-On
Extends above primary limits
Per-Occurrence Limit
$1M – $2M
Included
Max per single claim event
General Aggregate Limit
$2M – $4M
Included
Total for all claims per policy year
Products/Completed Ops
$2M aggregate
Included
Applies after work is finished
Personal & Advertising Injury
$1M per occurrence
Included
Defamation, IP infringement
Damage to Rented Premises
$50K–$300K
Included
Fire, explosion damage to rented space
Cyber Liability Rider
$250K+
Add-On
Optional endorsement
Umbrella / Excess Coverage
$1M–$5M+
Add-On
Extends above primary limits
From sole proprietors to large general contractors, if you have employees, workers’ comp is essential. It helps protect both your team and your business from the financial impact of workplace injuries. Our workers compensation insurance for general contractors is designed to meet the specific risks of construction sites and job-related hazards.
Here are the industries we most commonly protect with tailored coverage solutions.
Falls from heights, tool accidents, heavy lifting
Mower injuries, chemical exposure, heat stroke
Slips on wet floors, chemical allergies, back strain
Burns, cuts, slips on grease, repetitive motion
Patient lifting injuries, needle sticks, back strain
Box falls, forklift accidents, repetitive lifting
Machine injuries, hearing loss, chemical exposure
Loading injuries, vehicle accidents, heavy lifting
Premiums are calculated based on your industry classification, payroll, and claims history. Most small businesses pay far less than expected, especially with a clean safety record.
Each job type has a specific class code with its own rate, roofing costs more than office work
Higher payroll = higher premium, you pay per $100 of payroll
Fewer claims = lower modifier = lower premium
Each state sets its own rules, rates, and coverage minimums
Formal safety programs can qualify for premium credits in many states
Higher-risk roles cost more than lower-risk administrative positions
Low-risk businesses like consultants may pay as little as $42/month. Higher-risk trades like contractors typically pay $80–$200/month.
Customize your workers comp insurance coverage with endorsements that address specific risks for your industry and state, because a cleaning business and a construction crew face completely different hazard.
Includes business owners in your policy, not automatic in most states
Required by many contracts, prevents insurer from suing a third party after paying a claim
Covers employees working temporarily for another company, common for staffing agencies
Special endorsements for Ohio, North Dakota, Washington, Wyoming, and Puerto Rico
Specialized coverage for employees working on or near navigable waters
Required for employees loading, unloading, or working on docks and vessels
We offer tiered coverage options so you only pay for what your business actually needs. All options include full medical, wage replacement, and employer’s liability insurance.
We’ve streamlined the process so you spend less time on paperwork and more time running your business.
Industry, number of employees, annual payroll by job role, and your state, basic details to calculate your premium
Our agents shop top-rated workers comp insurance providers to find the best coverage at the best rate for your specific class codes
Receive a clear, easy-to-understand quote with no confusing jargon, compare coverage limits, deductibles, and state requirements side by side
Purchase your policy online or with an agent, provide proof of coverage to the state and your clients immediately
Everything you need to know about workers compensation insurance.
Generally, no- but it depends on the state. Workers comp insurance for sole proprietor is voluntary in most states unless you work on government contracts or certain construction jobs. However, many sole proprietors choose to carry it anyway because your personal health insurance may exclude workplace injuries. If you get hurt on a job site and don’t have work comp, you could be personally liable for all medical bills.
You become personally liable for ALL medical expenses, lost wages, and legal costs. The employee can also sue you directly for negligence and juries tend to side with injured workers. Additionally, most states impose severe penalties: fines of 1,000–1,000–10,000 per violation, stop-work orders, and even criminal charges in some cases. Workers comp for cleaning business owners, for example, face especially high fines because slip-and-fall claims are so common in that industry.
Yes, we offer workers comp online quote tools that give you instant estimates based on your industry class codes, payroll, and state. But we recommend a quick call with an agent to make sure your class codes are accurate, misclassifying employees is the #1 reason small businesses overpay or end up with coverage gaps.
It depends on your state and your industry. Some states have presumptive laws that automatically cover certain workers — healthcare, first responders, grocery store employees, if they contract COVID-19 on the job. For other industries, the employee would need to prove the illness was work-related, which is difficult but possible with proper documentation.
Workers’ comp pays medical bills and lost wages, no fault, no lawsuit. Employer’s liability is a separate part of the policy that protects YOU if an employee sues you for something NOT covered by workers’ comp, like emotional distress, wrongful termination, or a workplace injury that happened because you intentionally removed safety guards. Most workmans comp insurance policies bundle both.
Workers compensation insurance is required by law, but a complete protection strategy often includes these additional policies.
Covers third-party injuries and property damage claims, like a customer slipping in your store or a client's floor being scratched by your equipment
Covers vehicles used for work, essential if employees drive company vehicles or their own cars for job-related errands
Covers errors, omissions, and negligence claims in service-based professions, architects, consultants, real estate agents
Protects against data breaches, ransomware, and cyber attacks, includes employee and client data stored in your systems
Bundles general liability + commercial property into one cost-effective package, perfect for retail, offices, and small shops
Supplemental coverage that provides additional income replacement beyond what workers' comp pays, often purchased by business owners and key employees
Get a free, no-obligation quote in minutes. Our agents are standing by to help you find the right coverage.
