workers' compensation insurance

Hassle-free, integrated Workers' Comp Insurance

Discover the convenience of seamless payroll integration and cost savings with our pay-as-you-go workers’ compensation insurance.

Say goodbye to upfront payments and time-consuming audits!

Simplified Coverage

No deposits, no down payments

Say farewell to the burden of upfront deposits and down payments when securing workers’ compensation coverage. With Pay-As-You-Go insurance, you only pay for what you owe based on your actual payroll, reducing financial strain and freeing up your resources.

Accurate Premiums

No more estimating payrolls

Embrace precision and transparency with our Pay-As-You-Go feature. Your premiums now accurately reflect your real-time payroll, minimizing the chances of unexpected financial adjustments.

Experience hassle-free, integrated insurance

Revolutionize your business’s financial management with our pay-as-you-go workers’ compensation insurance, reducing upfront costs, eliminating estimating errors, and simplifying audits.

Cost Efficiency

We shop for the best price

Unlock unparalleled savings as we take the initiative to find the best-priced workers’ compensation coverage for your business. Our service scours the market to secure the most competitive rates, guaranteeing you cost-efficient protection.

Streamlined Audits

Minimal or no audits

Experience a breath of fresh air when it comes to audits. With Pay-As-You-Go workers’ compensation insurance, the need for frequent and exhaustive audits diminishes. Enjoy streamlined processes that save you time, effort, and potential stress.

Embrace a simplified audit experience, freeing up your resources and allowing you to focus on what truly matters – growing your business.

Everything you need to support your business

Explore all of our services to find everything you need for your business. 


What questions do you have?

Review answers to our most commonly asked questions or contact us for more details.

What is Workers’ Compensation insurance?

Workers’ compensation can help cover expenses for medical care, lost wages and other costs after a workplace injury.

It can help injured workers if they are hurt on the job and it can protect business owners from significant financial losses after an accident.

For example, workers’ comp can help cover medical treatment and lost wages if a heavy beam lands on a construction worker’s foot and causes a compound fracture.

Without insurance, the employer could be responsible for all related costs, which could add up to tens of thousands of dollars.

But workers’ comp is not just for high-risk jobs.

Repetitive-motion injuries (i.e., carpal tunnel), slip-and-fall accidents and strains can happen at relatively safe businesses.

Many small business owners also buy workers’ comp because it’s required in most states as soon as you hire your first employee.

Business owners in most states are legally required to have workers’ compensation coverage if they have employees.

However, the laws are different in each state. Our experts can help you determine your requirements!

Even when it’s not required by law, many business owners buy coverage so they have financial protection if an employee experiences a work-related injury or illness.

Workers’ comp can help cover employee medical bills and other related expenses after work-related injuries. Workers’ compensation claims can help pay for:
  • Medical expenses
  • Lost wages
  • Retraining
  • Permanent injury
  • Death benefits
  • Employer liability

Many of the benefits listed above are also available for business owners if they purchase optional business owner’s coverage with their policy.

Most businesses with employees need workers’ compensation. It’s required by law in most states, or business owners buy it to avoid potentially large financial losses.

A common misconception about workers’ comp is that it’s only for a business that has employees.

In fact, optional workers’ comp coverage for self-employed workers, sole proprietors and LLC businesses can provide financial protection and help meet contract requirements with clients.

Several factors are used to determine the cost of workers’ compensation insurance, including:
  • The number of employees at your business
  • Your payroll
  • Location of your business
  • Your business operations
  • The job functions of your employess
  • Claims history

If you are exposed to more risks, you typically pay more for insurance, regardless if you’re purchasing workers’ comp coverage or another type of business insurance.