Technology Insurance | Workers' Compensation

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Workers' Comp Coverage for I.T. Businesses

We've been helping professional technology business owners find easy and affordable coverage for over 15 years. Our Experts understand the underwriting requirements from the insurance companies. We know how to negotiate the lowest price. That's why we've developed programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing technology coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Technology Insurance Companies

Markel FirstComp

Markel is a national carrier. Markel offers exceptional workers' comp coverage in most states throughout the United States.

Markel Insurance

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for I.T and tech.

Accident Fund

The Hartford

The Hartford is a national insurance carrier with exceptional rates on office, retail, I.T. Consulting and technology.

The Hartford

Travelers

Travelers is an outstanding insurance company with a broad appetite and competitive rates. Great for design and programming staff.

Travelers Insurance

Employers Insurance

Employers offers excellent rates as well as loss control resources for all clerical workers' comp classification codes.

Employers Insurance

Chubb

Chubb quotes all lines of business and has terrific rates for technology, offices, medical and retail businesses.

Chubb Insurance

State Auto

State Auto has some excellent rates for offices such as computers system hardware and software companies.

State Auto Insurance

Great American

Great American Insurance is an exceptional carrier offering affordable prices and a broad appetite for most types of I.T. business.

Great American Insurance Group

AmTrust

AmTrust Financial provides exceptional value for many business types within the office and clerical classes of business.

AmTrust Insurance

We help business owners find the very best deal on workers' comp insurance.

The right quote makes a big difference in price.
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Workers' Compensation Class Codes Related to Computer I.T.

Employees are grouped into classification codes based on what they do for their job. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies categorize employees. Insurance companies create a manual rate for each class code in order to price a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employers may end up paying too much for coverage or owing too much after an audit.

Class Code 5191 | Computer- Installation, Service & Repair

Companies engaged in providing computer related services at their customers' locations. Employees may troubleshoot software of hardware related problems as well as install computer various computer related components. Work on printers and related hardware is included under this class code.

Class Code 8810 | Computer Programming- No Travel

Technology is a broad industry. A meaningful difference in the classification of employees often centers around where the employees work. I.T staff that work from a central office, and do not travel as part of their normal work, may belong under class code 8810. I.T. consultants who travel to customers locations may need to be classified under class code 5191.

Tech businesses are primarily engaged in computer hardware or computer software endeavors. Companies that manage the installation, adjustment, inspection or repair of hardware are more likely to be classed under code 5191. This code typically includes any associated cabling and networking within a building. Programmers and computer system designers that work from a single location often fall under class code 8810.

Companies involved in computer data hosting and computer processing services may need to utilize an alternative class code- 8803. These I.T businesses provide specialized hosting, streaming or cloud application hosting.

Alternative State Class Codes for Technology:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code	State
5193 \| Computer Repair and Installation	California
8859 \| Computer Data Hosting	California
952 \| Computer Repair	Delaware / Pennsylvania
936 \| Computer Hosting and Processing	Delaware / Pennsylvania
7610 \| Computer Data Hosting and Processing	Michigan / New Jersey / New York/ Texas

Synonyms: computer consulting, I.T. consulting, programming website designers, web design, computer repair, data analyst

Workers Compensation Shop.com is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Get the Best Tech Insurance Coverage

A lot of small I.T. businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher Experience Modification Ratings. We've been writing tech insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Technology Insurance Expertise
More Markets for More Solutions We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.

Loss of income for employees unable to perform job duties
Medical expenses for employees injured on the job
Retraining expenses for employees unable to return
Permanent injury or disability for lasting injuries
Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

Injuries resulting from a violation of the law
Incidents resulting from employees' use fo drugs or alcohol
Injuries that did not occur in connection with the job
Clear company policy violations
Injuries that did not occur in connection with the job

Lower Your Tech Insurance Costs

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance & E&O packages for our customers. Ask about our package insurance options for I.T Businesses:

Workers' Compensation and Employers Liability

Tech Liability Insurance

Technology E&O Insurance

Personal Property and Commercial Property

Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our experts a call at 888-611-7467.

How Much Does Tech Insurance Cost?

The average rate our customers pay for workers' compensation under the tech class code is around $0.39 cents per $100 of payroll. The average cost for a general liability insurance policy is about $500.00. Technology E&O insurance costs will vary by state and industry.

Workers' Comp Costs

Work Comp is priced based on payroll
Your state and Emod will affect your cost
The type of I.T work can modify rates
Premium discounts and policy credits may apply

General Liability Costs

GL rates for I.T. are based on sales (rated per $1000)
Gross revenue may affect pricing
The type of work done matters to underwriters
Prior clams and years in business affect pricing
Office SIC codes vary by industry

Technology E&O Costs

Errors and Omissions rates for I.T. are based on records and risk
Gross revenue may affect pricing
Security and sensitive data matters to underwriters
Prior clams and years in business affect pricing

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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

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers Comp for I.T. Businesses.

A lot of agencies have access to insurance companies that write workers' compensation coverage for technology companies. But we offer fast and easy programs with lower rates on coverage so you get the best price on all your policies.

Get quotes for your technology based business today and see if you qualify for better prices on your workers' comp insurance. Or give our Specialists a call today at 888-611-7467.

National Agency Number: 8847381
National Producer Number: 5064979

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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.

Pay for workers comp insurance with a credit card.