Workers’ Compensation Insurance

For small businesses in Arizona, California, Colorado, Georgia, Illinois, Louisiana, North Carolina, Tennessee, and Texas (more states coming soon!)

What is workers' compensation?

Workers' compensation insurance, also known as workman's compensation, is a state-mandated insurance program that provides medical, disability, survivor, burial, and rehabilitation benefits to employees who are injured or killed due to a work-related injury or illness. In nearly all states, and with few exceptions, businesses are required by law to carry workers’ compensation insurance.

The problem with workers’ compensation today.


80% of small businesses overpay for workers’ compensation insurance by up to 30%. That’s an expensive problem.


Buying workers’ comp online is virtually impossible. Getting quotes usually involves paperwork and delays.


Some providers overwhelm you with insurance speak. We make workers comp as easy as pie.

Workers’ comp protects small businesses.

With workers’ comp insurance, your team members give up the right to sue you for on-the-job negligence. In return, workers’ comp insurance covers medical care and rehabilitation costs if any of your team members are hurt at the workplace, as well as lost wages and death benefits caused by accidents at work.

workers' compensation insurance

People Protection

Cares for your team members when they’re in need of medical assistance

Relieves the stress of medical bills when your team members are recovering

Helps their families by covering lost wages

workers' compensation insurance

Financial Protection

Reduces the risk of a financial loss from accidents that could bankrupt your business

Protects your business from being sued by your team members

Limits disruptions as your team members have the financial support to recover faster

workers' compensation insurance

Legal Protection

Workers’ comp is required for almost every business

Penalties can be severe for non-compliance

For instance, in Illinois, penalties include up to 3 years in prison and a fine of up to $500 per day*

What’s covered by workers’ compensation insurance?

workers' compensation insurance

Illness or injury

If one of your team members becomes ill or is injured due to their work, they are covered for related medical care and economic losses.

workers' compensation insurance


Your team members are also covered for wage replacement associated with time off due to disabilities. The common level of wage replacement is 2/3 of your team member’s wages.

workers' compensation insurance


If someone dies in a work-related incident, death benefits can be paid to their family. These benefits offer financial support when your employees’ families need it the most.

Some illnesses and injuries are covered.
Others are not.

workers' compensation insurance


Physical injuries such as exposure to toxins, hearing loss, and carpal tunnel syndrome

Preexisting conditions aggravated by the work environment, such as back pain

Injuries caused by a trip, slip, fall, or by lifting a heavy object

Injuries caused by work facilities, like a falling ceiling tile

workers' compensation insurance

Not Covered

Self-inflicted injuries

Injuries sustained while committing a serious crime

Injuries sustained when not on the job

Injuries sustained while violating company policies

How Much Does Workers' Comp Cost?

Pricing can vary wildly between businesses, so try our easy online process to get a workers comp quote specific to your needs.

Workers’ Comp FAQ

Common questions about workers’ compensation insurance.

What’s a Workers’ Comp Premium Audit?

Learn how to prepare for a workers’ comp audit.