Workers Compensation
Workers compensation guidance for business owners.
Request workers compensation options based on your employees, payroll, job duties, and states of operation.
What this coverage may help with
Coverage for medical care and wage replacement
Workers compensation may help cover medical expenses and a portion of lost wages for employees who are injured or become ill on the job. It also typically provides employer liability coverage for related claims.
Requirements, class codes, and premium calculations vary by state and industry. We help you navigate the basics and request options that may fit.
What we typically need for a quote
- Industry and class codes (if known)
- Number of employees and owners
- Annual payroll by class / job duty
- States where employees work
- Prior carrier and loss runs (if available)
- Experience modifier (if applicable)
Coverage options
Coverage options to consider
Coverage options vary by carrier, state, and eligibility. Your agent will explain the trade-offs in plain language.
Medical Benefits
Coverage for work-related medical treatment, subject to state rules.
Wage Replacement
Partial wage replacement during recovery from a covered injury.
Employer's Liability
Coverage for certain employer liability claims related to workplace injuries.
Multi-State Options
Coverage approaches for employees in multiple states.
Who it's for
Built for businesses with employees
- Small businesses with W-2 employees
- Contractors with crews on job sites
- Restaurants and food service
- Cleaning and janitorial services
- Retail and salon businesses
- Multi-state employers
Why Quick & EZ
A modern independent agency that works for you
- Independent — we shop with multiple top-rated carriers.
- Plain-language guidance from real agents.
- Bilingual support — Hablamos Español.
- Fast quote requests, no call-center runaround.
- Personal and commercial lines under one roof.
- Licensed across multiple states.
Prefer to talk first?
Speak with a licensed agent
Our team will walk you through what's commonly needed and the coverage options that may fit.
Related coverage
Often paired with this coverage
Many clients combine these coverages — bundling can often unlock multi-policy discounts.
General Liability
Foundational liability protection for your business.
Learn more →Business Owners Policy
GL plus property in one policy for qualifying businesses.
Learn more →Commercial Auto
If you have business vehicles, you'll likely need commercial auto.
Learn more →Contractors Insurance
Bundled GL, comp, auto, tools, and certificates.
Learn more →Commercial Overview
Explore all business coverage options.
Learn more →Certificates of Insurance
Fast COIs for jobs and vendors.
Learn more →FAQ
Common questions
Is workers compensation required?+
Most states require workers compensation when you have employees, though requirements vary by state, number of employees, and entity type. We can help you understand what may apply.
How are workers comp premiums calculated?+
Premiums are typically based on payroll, class codes (the type of work employees do), and your experience modifier if one applies. Carrier underwriting also affects pricing.
Can owners be included or excluded?+
Owner inclusion/exclusion rules depend on entity type and state law. We'll walk you through what's typical in your state.
What's an experience modifier (e-mod)?+
An e-mod compares your claims history to similar businesses. It can raise or lower your premium and may be required by certain contracts.
Do I need workers comp for subcontractors?+
Many carriers require certificates from subs, or treat uninsured subs as your employees for premium purposes. We can review your subcontractor practices.
What if I have employees in multiple states?+
We can help review multi-state options. Coverage may need to be structured to address each state's specific workers comp requirements.
Ready when you are
Request a workers compensation quote.
Tell us about your payroll, employees, and operations — we'll review available options with a real licensed agent.
Coverage disclaimer
Submitting a quote request does not bind coverage. Coverage is not effective unless confirmed in writing by the agency or insurance carrier. Coverage options may vary by carrier, state, underwriting, eligibility, and availability. This page provides general information only and does not constitute legal, financial, or insurance advice.
Please note
- Coverage options may vary by carrier, state, underwriting, eligibility, and availability.
- This page provides general information only and does not constitute legal, financial, or insurance advice.