Get Workers Compensation Insurance Quotes In All 50 States

STATE-COMPLAINT IN ALL 50 STATES

Why Workers Comp Matters

State-Compliant CoverageMeet your state’s workers comp requirements. Required in most states for businesses with employees.

Pay-As-You-Go OptionsPay based on actual payroll instead of estimated premiums. No large upfront deposits.

Protect Your Business & EmployeesCovers medical bills, lost wages, and rehabilitation for work-related injuries and illnesses.

Compare Workers Comp Rates

Comparison is general. Actual policy features vary by carrier and plan design.

How Much Does Workers Comp Insurance Cost?

By Industry

By State (Average per $100 payroll)

Rates shown are national averages. Your actual rate may vary based on location, coverage level, and individual factors.

Best Workers Comp Insurance Companies

The Hartford

Compliant in all 50 states with pay-as-you-go billing. Specialized claims handling and return-to-work programs.

Liberty Mutual

BEST FOR LARGE BUSINESSES

Comprehensive risk management services. Strong network of medical providers and claims adjusters.

Employers

BEST FOR MEDIUM BUSINESSES

Focused exclusively on workers comp with competitive rates. Online payroll reporting and flexible payment options.

AmTrust

Real-time payroll integration eliminates estimated premium surprises. Strong presence in low-hazard industries.

WHAT OUR CUSTOMRES SAY

“Compliant workers comp in all 50 states. The pay-as-you-go option saved us thousands in upfront costs.”

Steve M. — Construction Company, 12 employees

“Switching to pay-as-you-go workers comp freed up $8,000 in cash flow for my restaurant.”

Nina P. — Restaurant Owner

Frequently Asked Questions

Is workers comp required for my business? Most states require workers comp once you have 1-5 employees (varies by state). Some states exempt sole proprietors and partners. Check your state’s specific requirements to stay compliant.

How is workers comp cost calculated? Workers comp premiums are based on your payroll, industry classification code, and claims history (experience modifier). Higher-risk industries like construction pay more than office-based businesses.

What does pay-as-you-go workers comp mean? Instead of paying estimated annual premiums upfront, you pay based on actual payroll each pay period. This eliminates large deposits, surprise audits, and premium adjustments at year-end.

What does workers comp insurance cover? Workers comp covers medical expenses, lost wages (typically 66% of salary), rehabilitation costs, and death benefits for employees injured or made ill on the job. It also protects employers from lawsuits.

What happens if I don’t have workers comp? Operating without required workers comp is illegal in most states. Penalties include fines up to $100,000, criminal charges, and personal liability for all employee injury costs.

Can I get workers comp for just one employee? Yes. Many states require coverage starting with your first employee. Even in states with higher thresholds, getting coverage early protects your business from potentially catastrophic injury costs.

How do I reduce my workers comp premiums?
Implement safety programs, maintain a clean claims history, classify employees correctly, and use return-to-work programs. Pay-as-you-go billing also helps by basing premiums on actual (not estimated) payroll.

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