Your Workers Comp Simplified

With 50+ carriers, licensed agents specializing in Workers Comp, and an easy on-line quoting process, we’ll give you the plan, expertise and servicing your business needs to protect you and your employees.

We’ve taken the work out of getting workers comp insurance.

Buying Workers Compensation insurance is mandatory in most states. But it shouldn’t be complicated and time-consuming. So, we digitized the process bolstered by real, live support: Behind our digital platform are 50 years of Workers Comp underwriting experience and licensed insurance agents – not BOTS – who specialize in Workers Comp solutions. Our experienced agents will find you the best product from A.M. Best “A” rated carriers that fits your needs, helps you control costs and provides you with unrivaled claims support.

No matter what industry you’re in, the size and scope of your operation or where you’re located, just fill out the online quote form and our agents will do all the work for you.

Why Choose Insure My Work Comp

Tell Us About Your Business
With Our Simplified Quote Form

A Licensed Agent Will Review Your App & Call You to Provide the Best Coverage & Price

You’ll Receive A Free Quote,
No Commitment Required

Learn the INS & OUTS of workers comp

Workers Compensation insurance, also known as Workman’s Comp and Work Comp, is mandatory in the majority of states. Employers purchase a Workers Comp policy to provide employees with coverage for medical expenses and rehabilitation costs in the event of on-the-job injuries or illnesses. If an employee misses work because of a job-related injury or illness, Workers’ Comp can also provide partial lost wages. In most situations, injured employees receive coverage no matter who was at fault for the injury, and preclude workers from suing employers for the injuries

Bottom line: Workers Comp insurance protects your business’ assets by shielding you from potential lawsuits, while providing injured employees with medical care and compensation for lost wages.

Each state establishes its own parameters about when an employer must acquire Workers Comp coverage. Some states have a rule regarding the minimum number of employees that an employer has to have in order to be required to purchase Workers Compensation insurance. Other states require Workers Compensation if the employer has any employees at all. States may also exclude certain industries from coverage.

Workers Comp insurance generally covers the following:

  • Medical expenses to treat job-related injuries and diseases.
  • Lost wages – typically pays two-thirds of the worker’s average income up to a fixed maximum amount if an employee cannot return to work because of his/her injury.
  • Ongoing care including surgery, rehabilitation, treatment from specialists, etc.
  • Funeral costs & death benefits – if an employee is killed while performing a job-related duty, some policies will cover funeral expenses and provide support payments to the employee’s beneficiaries.

Workers Compensation covers injuries and illnesses that are within the “course and scope of your employment.” The range of injuries and situations covered is broad, but there are limits. States can impose drug and alcohol testing on the injured employee, and can deny the employee Workers Compensation benefits if such tests show the employee was under the influence at the time of the injury. Compensation may also be denied for: self-inflicted injuries; if an employee was violating a law or company policy; and where the employee was not on the job at the time of the injury.

There are several measures your business can take to reduce the cost of Workers Comp insurance, including:


  • Understanding how your premium is calculated.
  • Enhancing your safety program.
  • Implementing an active claims management program.
  • Putting into a place a return-to-work program to get injured employees back to the workplace as soon as they are medically able.
  • Performing pre-employment testing and vetting.




Stay focused on running your business, while our agents take care of your Workers Comp insurance needs.

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