Workers Compensation Shop is a licensed insurance agency in all 50 states. We shop workers' compensation insurance coverage in most states.

Workers' Compensation Insurance

National Agency, licensed throughout the United States

Get Better Workers' Comp Insurance Quotes

Because knowledgeable agents, trusted advice and more choices matter.

  • AmTrust offer workers compensation and general liability in virtually all states with an excellent reputation.
  • The Hartford Insurance specializes in workers' compensation across the United States.
  • Travelers Workers Compensation Insurance.
  • Liberty Mutual Workers Compensation Insurance Quotes
  • Buy Birkshire Hathaway Guard workers comp insurance.
  • Markel FirstComp is a national insurance company licensed in all states.
  • Employers Insurance Company- Small business workers compensation insurance.
  • Accident Fund Insurance Company specializes in workers' compensation across the United States.
  • AmeriSafe Workers Compensation Insurance Roofing-Trucking.
  • UBIC specializes in tough work comp class codes including home health and heavy construction.
  • Accident Fund Insurance Company specializes in workers' compensation across the United States.
  • Cimarron Insurance Company writes hard to place workers comp in most states.
  • Chubb Insurance Company is a mono-line workers comp carrier doing business in most states.
  • State Auto is a fast growing insurance company with a very broad underwriting appetite.
  • State Auto is a national insurance company that quotes workers comp in most states.
  • Guide One specializes in tough work comp class codes including home health and heavy construction.
  • Benchmark Workers Compensation Insurance Coverage.
  • Great American offer workers compensation and general liability in virtually all states with an excellent reputation.

Experienced Specialists


Get expert advice on owner exemptions, class codes, state rates, experience modifiers, audits and claims.

Smarter Quotes


Our technology matches your business with insurance companies ready to offer the lowest rates on coverage.

Stronger Relationships


We leverage our past performance and experience to negotiate your best price on workers' compensation.

Better Choices


Insurance rates vary by company. That's why we shop a diverse group of top-rated insurance companies.

Our mission is great customer service

GENUINE REVIEWS

from business owners like you…

4.9 out of 5

Start Your Quote Today - Leave the shopping to us

Share some information about your business online or have one of our Specialists call you.
Or give us a call today at 1-888-611-7467 M-F; 8-5 CST

Currently Featured Workers' Comp Programs

Small Business Insuraance Experts- The Easiest Way to buy Workers Compensation.

Amazon Delivery Service Partner DSP Workers Compensation Insurance.

Trucking & Package Delivery

We offer lower workers' comp rates for short and long haul trucking.

Trucking Insurance
Workers compensation insurance for home health care agency.

Home Health Care

Get cash flow friendly Pay As You Go plans for Home Health & Assisted Living.

Home Health Insurance
Janitorial workers' compensation insurance quotes.

Janitorial Services

Save up to 30% on workers' comp for Janitorial and Environmental Services.

Janitorial Insurance

A Brief Overview on Workers' Comp Insurance

What is Workers' Compensation Insurance?

Workers' compensation coverage protects business owners and helps employees recover from injuries and illness caused by their job. Accidents and injuries happen. A workers' comp policy provides a no-fault system to pay medical bills and help with lost wages when there's a claim.

Workers' compensation insurance also includes Employers Liability coverage in most states. This part of coverage protects businesses from lawsuits. It can help pay for legal costs and even settlements for employee-related legal claims.

Who Needs Workers' Comp Insurance?

A business is required to have workers' compensation coverage as soon as the business hires their first employee in most states. However, some state laws require coverage at two or more employees.

Each state also has its own rules and requirements for owners' exemptions. The percentage of ownership and type of business guide the determination for who can be included and excluded from coverage. Employers need to take very specific steps in order to properly be excluded from coverage. Otherwise, their payroll may added to the policy during an audit.

How Much Does Workers' Comp Cost?

Workers' compensation insurance rates are expected to decrease for the 7th consecutive year. Rates will vary by state, class code and insurance company. They are calculated using your estimated annual payroll and your class codes. Each class codes is based on overall risk characteristics of your business and employee job duties.


Most states allow insurance companies to offer policy credits up to 25% for qualified businesses. Nobody shops workers' comp insurance better.

Difference Between General Liability and Workers' Comp Insurance?

Both lines cover bodily injuries. General liability insurance protects your business when a customer or another third party suffers an injury on your property and sues the company.


Workers’ comp insurance covers expenses resulting from employee injuries sustained while working.

How does workers comp work?
Fast workers comp quote.

Why Choose us for Your Workers Compensation Insurance?

We promise exceptional service and a more competitive policy renewal process.

Fast Certificates of Insurance

Get same day certificates of insurance, or proof of coverage, on demand so you can get back to your bsuiness.

Easy Policy Changes and Endorsements

We're here to assist you with policy endorsements and questions about your insurance coverage.

More Knowledgeable Advice

Obtain unbiased help with work related injuries, employee claims, annual audits and new changes to state insurance requirements.

Most Compettive Insurance Renewals

Don't let the cost of your coverage increase year. We keep the insurance company honest by shopping other insurance companies.

The Best Workers' Comp Insurance for Small Business

No Money Down

Improve cash flow with our national Pay As You Go Workers' Compensation. Reduce the cost of getting started and pay premium based on actual wages.
Tough Class Codes
Get quotes for the toughest NCCI class codes and higher experience modification ratings with our partners that specialize in high hazard industries.
Independent Insurance Agent


Easy Payment Plans

Enjoy special terms with partners offering more flexible payment options like 12 equal installment plans and monthly reporting.

Fast & Accurate Quotes

Get a detailed snapshot of what your coverage will cost based on optional policy limits and owner exemptions.

How to Get Workers' Comp

How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

Ready to Start Your Quote?

Don't settle for cookie-cutter rates

Have an Agent Contact Me
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Talk With a Work Comp Specialist
  • Free Consultation
  • No Obligation

1-888-611-7467


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Why We're Better Than a Direct Quote Online

When you shop your workers' compensation insurance with us you get to see more workers' comp quotes from more insurance companies. We take the time to make sure we've explained all your coverage options so you can make the best decision for your business. We negotiate policy credits and premium discounts from carriers willing to fight for you business. You get accurate prices for work comp coverage based on correct class codes and payroll information. When you shop direct with the Other Guys you will get one quote and no advice from any expert.

We've worked with hundreds of business owners across the county who have experienced large audits balances caused by employee miscassification, incorrect owner exclusion and even poor advice. Why go it alone? Choose the Experts for your next quote.

We partner with the best companies for workers' compensation insurance.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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