Workers’ Compensation

Insurance

When your team is protected, your business is too

Even in the safest work environments, accidents happen: a fall in a restaurant kitchen or a piece of equipment failing at a construction site. Workers’ compensation covers medical treatment and lost wages for an injured employee, while also protecting your business from lawsuits.

Coverages

Required coverages vary by state.

Medical Expenses

Covers treatment for work-related injuries and illnesses.

Lost Wages

Replaces part of an employee’s income while they’re unable to work.

Rehabilitation and Return to Work

Covers physical therapy and other services that help employees recover and return to work.

Employer's Liability

Protects your business against certain lawsuits brought by employees over work-related injuries or illnesses.

See where the risk lies

Choose an insurance, explore the scene, and click on the highlighted points. Each point reveals a real-world risk factor and the coverage that addresses it.

Choose the insurance

Use the list to switch scenes.

Click on the numbers

Hotspots mark risk situations.

Read the coverage

Risk and solution side by side.

Click the dots in the scene

How it works

From quote to policy in three steps

Tell us about your situation

What you want to protect, who needs coverage, and your history.

We compare insurers

We show prices and coverages side by side, and explain the differences.

You end with an active policy.

We handle the paperwork, and you receive the documents via email.

FAQ

Is Workers’ Compensation required?

In most states, businesses with employees are required by law to have it. The legal requirements vary by state. We’ll help determine what applies to your business.

How much does it cost?

The cost depends on the state, number of employees, type of work, industry, and claims history. Higher-risk jobs generally cost more to insure.

What are classification codes?

Each type of work has a code that helps determine its risk level and insurance cost. For example, an office administrator at a construction company typically has a lower-risk classification than a construction worker.

How can I pay less?

By making sure each employee is classified correctly. Many businesses overpay because of classification errors, and we can review this for you.

How do I get a quote?

Contact us by email, phone, or WhatsApp, or schedule a meeting. We’ll compare your current coverage with options from multiple insurers and send you the best matches.

Licensed

We know the requirements of each state we operate.

Independent

We get quotes from various insurance companies and compare them for you.

In your language

Support from the initial contact through to renewal.

Other products

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General Liability

Protect your business when the unexpected affects someone else

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Commercial Property Package (CPP)

Tailored protection for growing businesses.

Commercial

Business Owner Policy (BOP)

Essential business protection all in one package

Commercial

Trucking and Fleets

You keep rolling, we’ll handle the paperwork

Find out how much your insurance costs

Free quote, no obligation, with a response within 1 business day.