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Protect Your Business and Employees With Comprehensive Workers' Comp Coverage At Competitive Rates
We work with 50+ carriers to simplify insurance shopping so you can choose confidently and effortlessly.
Competitive Quotes
We shop multiple A-rated carriers to find you the best rates on workers compensation insurance for your specific industry.
Audit/Claims Assistance
Expert guidance through the claims process to ensure proper handling and timely resolution of workers compensation claims.
Risk Management
Proactive workplace safety strategies to reduce injuries and lower your workers comp insurance premiums over time.
About The Workers Comp Experts
We save business owners hundreds if not thousands in workers compensation insurance.
After over 50+ years of experience in the workers comp market, our team understands the unique challenges businesses face when it comes to workers compensation insurance.
Our team simplifies every step, from quotes to coverage, so you can focus on running your business while we handle the rest while saving you money.
What Our Clients Say
Trusted By Businesses Nationwide
"The Workers Comp Experts saved our construction company over 30% on our premiums while improving our coverage. Their risk management advice has been invaluable."
"When we had our first workers comp claim, their team guided us through every step. The process was seamless and our employee got back to work quickly."
"As a small business owner, I appreciate how they explain everything in simple terms. They found me better coverage at a lower rate than I had before."
Workers Compensation FAQs
Common Questions About Workers Comp Insurance
What is Workers' Compensation Insurance?
Workers compensation insurance provides medical benefits and wage replacement to employees injured on the job, while protecting employers from lawsuits related to workplace injuries. It's required by law in most states for businesses with employees.
How are workers' comp premiums calculated?
Premiums are based on your payroll, industry classification codes, claims history, and experience modification rate. Safer workplaces with fewer claims typically qualify for lower rates.
How does workers’ comp work across multiple states?
We can help you navigate multi-state workers comp requirements. Coverage must comply with each state's specific laws where your employees work.
Can independent contractors be covered by workers’ comp?
Generally, independent contractors aren't covered under workers comp, but misclassification can lead to penalties. We can review your specific situation and recommend appropriate coverage options.
What’s the value of good workers’ comp agents?
Navigating workers' compensation insurance can feel like a full-time job. They become indispensable partners, guiding you through every step and safeguarding your business. Read more...
What are the penalties for not having workers comp insurance?
Penalties vary by state but typically include fines ($1,000–$10,000+), stop-work orders, and potential criminal charges for repeat offenders.