We shop around and compare rates from 20+ insurance companies to find you the best workers’ comp insurance for small businesses. Get your workers’ compensation insurance quote today!
A worker’s comp insurance policy covers you if your employees get injured or become ill while doing their work.
Having workers’ comp coverage is crucial for three reasons:
Here are some of the things this insurance plan can help pay for when an employee is injured or falls ill due to a workplace accident or incent:
Some situations in which workers' compensation will not protect your business include:
Important factors that determine workers' comp insurance cost include your yearly payroll and the level of job risk that you pay your employees to perform. Claims history, i.e. the volume of workers’ compensation claims made in the past, may also affect workers’ comp costs.
The nationwide average cost of workers’ comp insurance is roughly $78 per employee per year. Workers’ compensation insurance costs are much more predictable and manageable than the price of addressing the needs of injured and ill employees without this support in place.
Paying your workers’ compensation premium each month protects your company from many financial and legal risks. It’s one of the most important policies for a business to hold.
Workers' compensation can be difficult to understand, which is why we have a team of insurance experts to help.
The basic information we need is:
Once we obtain that information, you can have a quote in seconds. And we’ll bind your workers' compensation policy in minutes!
We know you're busy! InsurePro gives you the option of entering your information on our website and receiving real-time quotes.
We work with multiple workers’ comp insurance companies, so we can shop around and get the best combination of rate and coverage for your business.
When you're ready to purchase a policy, you'll speak with one of our licensed experts on the phone or by chat! We're ready to insure you today!
Helps cover property damage and bodily injury.
Combines both property and liability coverage.
Helps cover risks that come from operating business vehicles.
Covers equipment you use to get the job done.
We work hard to find a business insurance plan that makes the most sense for you. Leave the insurance to us so you can focus on your business.
Contracted workers, leased workers, and some other hiring situations may be exempt from workers' comp requirements. However, laws differ from state to state and some require companies to provide coverage for contractors.
We would be happy to discuss your current situation with you: Call us at 888-827-9990.
Even though workers’ compensation insurance provides broad coverage for work- related injuries and illness, there are some exclusions.
For example, injuries outside of work are not covered, and commuting to and from work generally is not covered. Also, intentional injuries and those occurring as a result of substance abuse or intoxication aren't covered.
Insurance benefits provided by a workers' compensation policy are regulated by each state, so it may differ depending on which state you operate in.
This policy provides coverage for lost wages, medical expenses, rehabilitation expenses, and death benefits resulting from an employee's injury or illness that occurs due to the job. Covered medical expenses can include hospital care, surgery, doctor visits, physical therapy, emergency room visits, prescription medication, etc.
When an employee is unable to stay at (or return to) work, replacement income can be provided.