Small Business
Affordable workers comp coverage tailored for small businesses with few employees.
Small business workers comp policies provide affordable coverage for companies with a handful of employees, often with pay-as-you-go billing tied to actual payroll rather than large upfront deposits. They are best for startups, small shops, and service businesses that need to meet state-mandated coverage requirements without straining cash flow. Look for providers with low minimum premiums, no audit surprises, and fast online quote-to-bind processes.
The Hartford
One of the most trusted workers comp insurers for small and mid-sized businesses
Nationwide
Flexible workers comp solutions with strong bundling for business owners
biBERK (Berkshire Hathaway)
Affordable direct workers comp backed by Berkshire Hathaway's financial strength
EMPLOYERS Holdings
Dedicated small business workers comp specialist with competitive rates
Applied Underwriters
Innovative EquityComp program for workers comp with profit-sharing potential