Workers’ Compensation Insurance – Workers’ Comp Quotes

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What is Workers’ Compensation Insurance?

Workers’ compensation coverage protects business owners and helps employees recover from injuries
and illness caused by their job. Accidents and injuries happen. A workers’ comp policy provides a no-fault system
to pay medical bills and help with lost wages when there’s a claim.

Workers’ compensation insurance also includes Employers Liability coverage in most states. This
part of coverage protects businesses from lawsuits. It can help pay for legal costs and even settlements for
employee-related legal claims.

Who Needs Workers’ Comp Insurance?

A business is required to have workers’ compensation coverage as soon as the business hires their
first employee in most states. However, some state laws require coverage at two or more employees.

Each state also has its own rules and requirements for owners’ exemptions. The percentage of
ownership and type of business guide the determination for who can be included and excluded from coverage. Employers need
to take very specific steps in order to properly be excluded from coverage. Otherwise, their payroll may added to the
policy during an audit.

How Much Does Workers’ Comp Cost?

Workers’ compensation insurance rates are expected to decrease for the 7th
consecutive year. Rates will vary by state, class code and insurance company. They are calculated using your estimated
annual payroll and your class codes. Each class codes is based on overall risk
characteristics of your business and employee job duties.

Most states allow insurance companies to offer policy credits up to 25% for qualified
businesses. Nobody shops workers’ comp insurance better.

No Money Down

Improve cash flow with our national Pay As You Go Workers’
Compensation. Reduce the cost of getting started and pay premium based on actual wages.

Tough Class Codes

Get quotes for the toughest NCCI
class
codes and higher experience modification rates with partners that specialize in high hazard
industries.

Easy Payment Plans

Enjoy special terms with partners
offering more flexible payment options like 12 equal installment plans and monthly
reporting.

Quick & Accurate

Get a detailed snapshot of
what your coverage will cost based on optional policy limits and exemptions.

• Business details, locations, FEIN or SSN
• Estimated annual payroll and job duties- class codes
• Claims info or loss history- if applicable

• Our software matches you with top-rated carriers
• Our agents apply and negotiate your lowest rates
• We present and recommend your best options

Real Agents, Fast Insurance
Quotes

At Workers Compensation Shop.com, we’re different than other insurance agencies or carriers
providing workers’ comp quotes online. We’re experts on state laws, ownership rules, audits and class codes. Our
quote process results in the best workers’ comp insurance rates from top-rated carriers.

See for yourself. Give our experts a call at 888-611-7467 or start your workers compensation quote online
today. You’ll be glad you did.

Workers Compensation Info