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Workers' Compensation

Workers' comp coverage for every state

State-compliant workers' comp quotes in minutes — including high-risk class codes.

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What's included

  • Coverage for all 50 states
  • Pay-as-you-go premium options
  • Class code specialists
  • Same-day certificates of insurance
20%
Average customer savings

What's included

Everything you need from workers comp coverage

Coverage for all 50 states

Pay-as-you-go premium options

Class code specialists

Same-day certificates of insurance

Why CoverageCompare

A smarter way to shop workers comp insurance

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Review competing quotes side-by-side, ask questions, and pick the best fit.

Workers' compensation insurance is required by law in most states for businesses with employees — and for good reason. When an employee is injured on the job, workers' comp covers their medical treatment, lost wages, and rehabilitation costs while protecting your business from costly lawsuits. Covrable connects you with carriers that specialize in workers' comp for your specific industry and state.

What Does Workers' Compensation Cover?

Workers' compensation insurance provides four main types of benefits to injured employees: medical benefits (covering all necessary medical treatment related to the work injury), disability benefits (replacing a portion of lost wages while the employee can't work), rehabilitation benefits (covering physical therapy and vocational rehabilitation), and death benefits (paid to the dependents of employees who die as a result of a work-related injury or illness). In exchange for these benefits, employees generally give up their right to sue their employer for negligence — protecting your business from costly litigation.

Workers' Comp Requirements by State

Workers' compensation requirements vary by state. Most states require coverage for all businesses with one or more employees, though some states exempt small employers (typically those with fewer than 3–5 employees) or certain types of workers like farm workers or independent contractors. Texas is unique in that it's the only state where workers' comp is not mandatory for most private employers, though opting out carries significant litigation risk. Penalties for operating without required workers' comp coverage can include fines, stop-work orders, and personal liability for workplace injuries.

How Are Workers' Comp Premiums Calculated?

Workers' compensation premiums are calculated based on your payroll, your industry's class code (which reflects the risk level of the work performed), and your experience modification rate (EMR or X-Mod). Your EMR compares your actual claims history to the expected claims for your industry — a good claims history results in an EMR below 1.0, which reduces your premium, while poor claims history raises your EMR and your costs. Businesses with high-risk class codes like roofing, logging, or crane operation pay significantly higher rates than office-based businesses.

Pay-As-You-Go Workers' Comp

Traditional workers' compensation policies require you to estimate your annual payroll upfront and pay a large deposit premium. Pay-as-you-go workers' comp calculates your premium based on your actual payroll each pay period, eliminating the need for large upfront deposits and reducing the chance of a large audit bill at year end. This option is especially valuable for businesses with seasonal or variable payrolls. Many of our carrier partners offer pay-as-you-go options that integrate directly with popular payroll systems.

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