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Workers Comp
The wrong class code or a missing sub certificate can turn your yearly audit into a bill you didn't plan for. We compare insurance companies, make sure your employees are in the right class codes, and walk you through what the audit looks at before it starts, in English or Spanish. Most states require comp once you have employees. Questions about an audit? Call or text and talk to a real person.
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What It Covers
What Workers Comp Includes
Exact coverage depends on the policy and the insurance company. We walk you through yours before you buy.
- Medical care for work injuries and illnesses
- Part of an employee's lost wages while they recover
- Rehabilitation
- Death benefits for families
- Employers liability if an employee sues
Good to Know
Before You Buy
Workers comp is priced on payroll and job class, and both are checked again at audit. We go through each detail with you before you buy.
- State rules. Rules vary by state. Some require coverage from the first employee, and Texas makes it optional for most private employers.
- Class codes. Premium is based on payroll and job class, so the right class codes matter.
- Audits. Most policies are audited after the term, and the final premium is adjusted to your actual payroll.
- Subcontractors. Uninsured subcontractors can be added to your premium at audit. Keep a current certificate from every sub you use.
- Owners. Owners and officers can often choose to include or exclude themselves, depending on the state. The choice changes both your premium and your protection.
- Employers liability. Most policies also include employers liability for certain lawsuits tied to employee injuries. Contracts often set its limit.
Pair It With
Gaps Employers Often Miss
Workers comp covers your employees. These need their own coverage, and we check for each one when we quote.
Comp Doesn't Cover Customer Injuries
Injuries to customers and visitors need general liability.
Employers Liability Limits Can Run Out
A commercial umbrella can sit above the employers liability part of your comp policy.
Employees Driving for Work
Company vehicles need commercial auto, and employees using their own cars may need hired and non-owned coverage.
Uninsured Subs Can Raise Your Premium
At audit, uninsured subs can be counted as your employees. Collect a certificate from every sub you hire.
Your Business Depends on Key People
If losing one person would hurt sales or operations, key person coverage gives the business money to recruit and keep going.
Your Building and Liability Need a Policy Too
A business owners policy can package property and liability in one.
More Business Insurance
Other Business Options
Let's Look at Your Business.
Final approval and pricing are set by the insurance company.