Workers' comp quotes in 60 seconds.

Workers' comp is a state-administered no-fault insurance system that pays medical bills and lost wages to employees injured on the job. In exchange, employers get immunity from most personal-injury lawsuits by those employees. It's required by law in 49 of 50 states once you have employees.

Premiums run on three variables: your payroll, your classification codes, and your experience modification factor (E-Mod). Cleaner class codes, safer workplaces, and fewer claims all lower your premium.

Your policy must cover every state where employees actually perform work. We help you set up the right state coverage schedule and handle the filings — especially important if you're expanding into a monopolistic state like Ohio, Washington, North Dakota, or Wyoming.

Usually not — but uncertified 1099 contractors without their own workers' comp get pulled into YOUR audit at your class-code rate. Certificate of insurance tracking is the single biggest audit-cost lever for most small employers.

A good agent shops multiple carriers, defends you at audit, advocates during claims, and reviews your E-Mod worksheet annually. They save you money year after year, not just on day one. Learn more →

Fines from $1,000–$10,000+ per violation, stop-work orders, personal liability for business owners, loss of tort-damage caps, and in many states criminal charges. See our full rules page for state-specific details. Learn more →

Yes — our online quoting system rates general liability the same way it rates workers' comp. Answer a few questions, see real GL prices from A-rated carriers in about 60 seconds, and bind your policy online with a card. Your documents arrive by email, usually within minutes.

Yes — employers have the right to dispute an audit finding if payroll was misclassified, employees were assigned the wrong class codes, or subcontractor certificates were not properly credited. You typically have 30–90 days to file a formal dispute depending on your carrier. Working with a specialized broker like The Workers' Comp Experts can help you identify overcharges and prepare the documentation needed to challenge an inflated audit bill before it becomes a collections issue.

Your E-Mod is a multiplier — calculated annually by your state's rating bureau — that reflects your company's claims history relative to other businesses in your industry. An E-Mod above 1.0 increases your premium; below 1.0 lowers it. A single large claim can raise your E-Mod for up to three policy years, compounding the cost impact. Proactive claims management and timely return-to-work programs are the most effective ways to protect or recover a favorable E-Mod.

The assigned-risk pool (also called the residual market) is a state-run insurance program for employers who cannot obtain coverage in the voluntary market — usually due to a high E-Mod, claims history, or a high-hazard classification. Premiums in the assigned-risk pool are typically 20–50% higher than voluntary market rates. Working with a multi-carrier broker like The Workers' Comp Experts can help you find voluntary market alternatives, or build a loss-control plan to exit the assigned-risk pool at your next renewal.