Does my small business need workers’ compensation insurance? How do I buy it? How much should it cost?
Workers’ compensation insurance can be confusing and complicated, especially for small business owners. Small businesses are typically right on the cusp of their states' employee limits, where a single hire could meet the threshold and make coverage legally required.
Worse yet, serving small businesses isn’t profitable for most traditional insurance agents. So businesses with fewer than 10 employees might struggle to find someone willing to shop around for the best premium.
We get it. Our mission behind founding WorkCompOne was to make one piece starting a business — buying workers' compensation insurance — easier and more affordable.
You don’t want to be a workers’ compensation expert. You just want to protect your business and your employees, for the best price.
You’re in luck: We’ve rounded up our best workers’ compensation resources and advice, so you can find answers and get back to business.
Workers’ Compensation Insurance & Policies
The Small Business Owner's Guide to Workers' Compensation Insurance: Workers’ compensation law can be confusing and complicated. This guide outlines what you need to know to buy work comp insurance.
The Absolute Beginner’s Guide to Workers’ Compensation: Don't have a clue about workers' comp? No problem. Here's what you need to know about what workers' compensation is, how it works, and how to buy coverage.
General Liability vs. Workers’ Compensation Insurance: What’s the Difference? Learn the difference between general liability insurance and work comp, and what you need for your small business.
What Limits of Liability Are and How to Choose What's Right for You: What are employer liability limits? What limits should you choose? And how much will it cost? We break it all down in this post on workers' compensation limits of liability.
Workers’ Compensation Law & Requirements
Workers’ Compensation: Workers’ comp or workmans comp compensates employees for injuries sustained at work. Here’s everything you need to know about the workers’ compensation system and how it protects both employee and employer.
What Are the Workers' Compensation Laws in My State? Whether you have full- or part-time employees, here are tips on how small businesses can comply with their state workers’ compensation system.
Is Workers' Compensation Required for Sole Proprietors? In general, most solopreneurs are not required to carry workers’ compensation insurance. We dive into some of the specifics to consider when debating whether to carry work comp.
Your Most-Asked Questions About Workers’ Compensation, Answered [FAQs]: Workers' comp is often confusing and complicated to navigate. We answer 10 of the most frequently asked questions about workers’ compensation.
The Quick and Simple Guide to Workers' Compensation Compliance [Checklist]: Who needs workers’ compensation coverage, what to do after a workplace accident, and how to save on workers’ comp insurance.
Workers’ Compensation Insurance & the Gig Economy: More than half of U.S. workers may be freelancers by 2020. How should the insurance industry, state work comp systems, and workers respond?
Workers’ Compensation Cost
How Much Does Workers' Compensation Insurance Cost? How much does workers comp cost? Find out the average small business workers’ compensation cost and how much you might pay.
Workers’ Compensation Insurance Rates: What They Are & How They’re Set: Workers’ compensation rates are a key piece of how much a work comp insurance policy costs.
Workers' Compensation Insurance Cost Calculator: How Much for a Small Business Policy? To estimate workers compensation cost for an employee, multiply payroll by work comp insurance rate. Read on for step-by-step instructions, and other factors that influence cost.
How to Calculate Workers’ Compensation Cost Per Employee: To find out the cost of workers’ compensation per worker, you need total payroll, your workers’ comp class codes and the current state workers’ compensation rates.
How to Get a Workers’ Compensation Quote
How to Get a Workers' Compensation Quote: The Step-by-Step Beginner’s Guide: WorkCompOne has helped thousands of small business owners buy workers’ compensation coverage, many for the first time. Follow this step-by-step guide to shop for your growing business.
7 Tips for Buying Work Comp Insurance: Shopping for a workers’ compensation policy can be confusing. Here’s what you need to know to shop work comp the smart way.
How to Get Workers' Compensation Insurance in Florida: In Florida, most businesses with four or more employees must carry a workers’ compensation policy. Here’s everything you need to know about buying work comp insurance in the sunshine state.
How to Get Cheap Workers’ Comp Insurance in California: What workers’ compensation costs in CA, and how to save on a small business policy.
What Does “Referred to Underwriting” Mean? Some quotes require further review and information prior to carrier approval. Learn more about getting a work comp insurance quote.
What Do I Do if My Quote Is Denied? If your work comp quote was denied by an insurance carrier, you still can (and must) secure coverage to meet state requirements. Here’s what to do next.
Small Business Workers’ Compensation
Small Business Workers’ Compensation: An Introduction for First-Time Employers: A lot of headaches can come with the switch from solopreneur to someone’s boss. We're here to help; here’s what you need to know about workers' compensation.
Insurance Policies Small Businesses Need: Commercial insurance exists for the same reason as personal insurance: to protect financial assets when disaster strikes. Find out which policies all small business owners should consider.
Insurance Requirements for Part-Time Employees: Part-time employees can be a great, cost-effective way to scale your business. We outline a small business owner’s legal obligations to part-time workers.
5 Workers’ Compensation Insurance Mistakes Made by Small Business Owners: Misunderstanding your state’s work comp laws and how coverage works can cause legal and financial headaches for your business. Avoid these common mistakes.
8 Small Business Insurance Questions We Get Asked All the Time (& Their Answers): For entrepreneurs who want to protect their business, so they can get back to running their business. Here are some of the top questions we hear, answered.
12 Ways to Save Money on Small Business Insurance: As experts in small business insurance, we’ve rounded up tips on where you can uncover savings. Here are 12+ ways to spend less on insurance.
4 Tips for Smart Small Business Insurance Shopping: When it comes to choosing the right insurance for your business, it can be difficult to know where to begin. These tips can help you get started.
Need Workers’ Compensation Insurance?
Answer a few simple questions and get a quote in minutes for your small business. WorkCompOne’s proprietary online platform makes it possible for leading national insurance carriers to serve businesses of all sizes — even those with fewer than ten employees.
Don’t wait. Affordable workers’ compensation insurance is just a few clicks away.
