Workers' Comp & General Liability — Real Prices in 60 Seconds.
Instant online quotes from A-rated carriers. Buy online in minutes or talk to a licensed broker — audit defense and E-Mod protection included once you're covered.
We write workers' comp for
Three Ways We Lower Your Cost of Risk
We don't just sell workers' comp — we shop it, defend it at audit, and build long-term programs that shrink your E-Mod.
Competitive Quotes
We shop 50+ A-rated carriers to find you the best rate for your state, industry, and class codes. No captive bias.
Audit and Claims Support
When an audit lands or a claim opens, we advocate for you. Our clients routinely see audit bills reduced or reversed with our documentation.
Risk Management
Return-to-work programs, class-code reviews, and safety consulting that compound over years to bring your E-Mod — and your premium — down.
How It Works
Two ways to get covered. Most businesses can quote and buy online right now. Complex risks get a specialist and a hand-shopped market search.
Lane 1: Instant Online Quote
For most small and mid-size businesses. Real prices, not estimates.
Answer a few questions
Your business, payroll, and what you do. Takes about 60 seconds.
See real prices instantly
Workers' comp and general liability quotes from A-rated carriers, on screen.
Buy online
Pay by card and get your policy documents by email — usually within minutes.
Lane 2: Broker-Shopped Quote
For tough class codes, high E-Mods, prior claims, or multi-state operations.
Quick intake
Share your states, payroll, class codes, and loss history with a licensed broker.
We hand-shop 50+ carriers
Your account goes to the markets that actually want your risk. Quotes back in 2 business days.
Side-by-side review, then year-round support
Plain-English comparison, then we handle audits, claims, renewals, and your annual E-Mod worksheet.
Meet Your Advocates
The Workers' Comp Experts
Licensed insurance brokers who specialize in workers' compensation — shopping 50+ A-rated carriers, defending you at audit, and bringing your E-Mod down year after year.
Ready to lower your workers' comp costs?
Free 15-minute policy review. We'll tell you exactly what we'd change and why — no pressure, no obligation.
What Our Clients Say
Trusted by employers across the United States
Quote and Buy Online — Four Coverages, One Form
Workers' comp is just the start. Quote general liability, a business owner's policy, and professional liability online in about 60 seconds each — then buy by card the same day.
Workers' Comp
Required in 49 states once you have employees. Pays medical bills and lost wages for on-the-job injuries.
Instant quote - buy onlineGeneral Liability
Covers slip-and-falls, property damage, and injury claims from customers and other third parties.
Instant quote - buy onlineBusiness Owner's Policy
General liability plus your building, equipment, and lost income — bundled into one policy.
Instant quote - buy onlineProfessional Liability
Errors-and-omissions protection for when your advice or service costs a client money.
Instant quote - buy onlineAlso need commercial auto, property, umbrella, or bonds? Start a quote or call 859-407-4888 — we shop 50+ A-rated carriers.
Farm, Ag, and H-2A Employers: This Is Our Specialty
We insure growers, farm labor contractors, and H-2A and H-2B employers in all 50 states — including the hard-to-place agricultural class codes most agents cannot quote. Start with our guides:
Workers' Compensation FAQs
The questions employers ask us most often
What is workers' compensation insurance?
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.
How are workers' comp premiums calculated?
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.
How does workers' comp work across multiple states?
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.
Can independent contractors be covered?
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.
What makes a good workers' comp agent?
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 →
What are the penalties for no coverage?
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 →
Can I get an instant general liability quote online?
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.
Can I dispute a workers' comp audit bill if I think the premium is wrong?
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.
What is an experience modification rate (E-Mod) and how does it affect my premium?
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.
What happens if my workers' comp carrier places me in the assigned-risk pool?
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.