Workers' Compensation Insurance
National Agency, licensed throughout the United States
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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.
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Janitorial InsuranceA 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.
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
Tough Class Codes
Easy Payment Plans
Fast & Accurate Quotes
How to Get Workers' Comp
How do I get started?
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
- 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
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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.
California DBA: I-Shop Online Insurance Agency.
