Commercial insurance
Workers' compensation insurance
Workers' comp pays medical bills and part of the wages of an employee hurt at work, and protects your business from lawsuits over those injuries. Many states require it once you have employees.
- For construction, landscaping, restaurants, cleaning and more
- Certificates of insurance for your contracts
- Payment options based on your payroll
What does it cover?
| Coverage | What it pays for |
|---|---|
| Medical bills | Doctors, hospital, therapy and medicine for work injuries. |
| Lost wages | Part of the paycheck while the employee can't work. |
| Rehabilitation | Therapy and help returning to work. |
| Employer's liability | Defense if an employee sues the business over a work injury. |
| Death benefits | Support for the family if an employee dies in a work accident. |
These are the most common coverages. Exact options, limits and deductibles depend on the carrier and your state.
Who is it for?
- Contractors and subcontractors
- Restaurants and stores
- Cleaning and landscaping companies
- Any business with employees
Have this ready
- Legal business name and FEIN
- Type of work your employees do
- Estimated annual payroll
- Number of employees
- Claims history, if any
Missing something? Start anyway. We'll ask for the rest later.
How it works
- 1
Fill out the form
About 2 minutes, from your phone.
- 2
We compare options
A licensed agent checks several carriers for your case.
- 3
You choose and you're covered
We explain everything in plain language and start your policy.
Frequently asked questions
Is it required?
It depends on the state, the type of work and how many employees you have. In construction, many states require it from the first employee. We tell you what applies in your state.
How is the price calculated?
Mainly by payroll and type of work (class code), plus your claims history.
Can you give me a certificate for a contract?
Yes. Once the policy is active we send certificates of insurance to your clients.
Other coverage
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How to Request Insurance for a 24-Unit Apartment Building
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A licensed agent reviews every request. Coverage, eligibility and price depend on the carrier and underwriting. The information on this page is general and does not replace the policy terms.