--Get it FAST--
Hassle-Free Workers Compensation Quote
Attention Business Owners: Simplify Workers’ Comp Coverage
Are you looking for affordable workers’ compensation coverage without wasting hours submitting to multiple carriers & agents? WorkCompOptions.com gives business owners access to 50+ top workers’ comp programs through one simple form. Our platform answers frequently asked questions, offers state-specific guidance, how-to guides, and a blog full of practical advice for employers. Get comparison quotes, find coverage for high-risk industries, and see options for small or large businesses — all in one quick, easy submission.
Apply online
Our intuitive application makes it easy to apply for work comp coverage in 15 minutes or less, whether you already have coverage or are just getting started.
Simply provide business details, payroll/class code information, claims history (if applicable) & your NCCI MOD worksheet (if applicable).
Submission
After we review your application it will be submitted to our network of over 50 providers to find the most cost effective option for your company.
Quotes received
Once the quotes are received we will provide a breakdown of the quotes on an "apples to apples" basis along with any other quotes you nay have received elsewhere to ensure you are getting not only the best service but also the best priced option possible.
A Few of the Types of Companies we Have Helped:
- Home Health
- Nursing Homes
- PEO
- Security Guards
- Garbage Pickup
- Doctors
- Construction
- Electrician
- Welding
- Restaurant
- Delivery
- Automotive Services
- General Contractor
- Staffing
- Long Haul Trucking
- Local Trucking
- Towing
- Carpentry
- Residential Construction
- Commercial Construction
- Warehouses
- Manufacturing
- Packaging
- Plumbers
- Car Dealership
And Many More!
Why Choose Us For Your Worker's Compensation?
- Access To Over 50 Providers
- Savings Up To 20% or More!
- Easy Payment Plans including "Pay As You Go" (payments based on actual payroll)
- Over 20 Years Of Specializing In Workers Compensation
- Low Deposit Options ($0 in some cases)
- Deductibles Available To Reduce Premium
- Real, Human Customer Service
- Claims Free Discounts
- Audit Review
- Workplace Safety Programs
- Drug-Free Program & Discount (depending on state)
- Targeted Programs By Industry
- Coverage For Hard To Place Risks
Workers’ Compensation FAQ for Business Owners
Q: How can I get workers’ compensation quotes quickly for my business?
A: WorkCompOptions.com lets business owners submit one simple form to access 50+ top workers’ comp programs, saving hours compared to applying individually with multiple carriers.
Q: Can I get coverage for high-risk industries or small businesses?
A: Yes. WorkCompOptions.com provides programs for both high-risk industries and small or large businesses, helping you find affordable and compliant coverage options.
Q: What resources are available to help me understand workers’ comp?
A: WorkCompOptions.com includes state-specific guides, FAQs, how-to instructions, and a blog full of practical insights to help business owners make informed decisions about coverage and cost.
Q: Do I have to answer lots of unnecessary questions?
A: No. The intuitive form removes irrelevant questions based on your input, making the submission process fast, smooth, and efficient.
Q: Why use WorkCompOptions.com instead of contacting carriers individually?
A: Instead of submitting forms to 50 different carriers and managing multiple contacts, WorkCompOptions.com allows business owners to compare programs and get quotes all in one place, saving time and reducing hassle.
Workers’ Compensation by State: Requirements, Rates, and Fast Quotes
Use the interactive map to see your state’s workers’ compensation requirements, rates, and how to get a fast quote. Each state page explains who must carry coverage, how cost is calculated, what documents are needed, and answers the most‑asked questions from business owners.
| Topic | What you’ll find on each state page | Common questions answered |
|---|---|---|
| Who needs workers’ comp | Coverage requirements by employee count, industry, and state exemptions | Do I need workers’ comp in my state? Are sole proprietors or LLC members required? |
| Rates and class codes | State base rates by class code and market notes | What are my state’s workers’ comp rates? What class code applies to my business? |
| Cost calculation | How premium is calculated: payroll x rate x modifiers + fees/credits | How is workers’ comp cost calculated? Why do quotes vary? |
| Experience mod (EMR/X-Mod) | Eligibility, how mods are set, and impact on premium | What is an experience modification factor? How do I lower my mod? |
| Apply for coverage | Step-by-step application process, timelines, and binding | How do I apply for workers’ comp? How fast can I get covered? |
| Info required for a quote | Business details, FEIN, locations, operations, payroll by class, owner inclusion/exclusion, prior coverage, loss runs | What documents are required for a workers’ comp quote? Can I get a quote without loss runs? |
| Owner/officer inclusion | Rules for including or excluding owners, officers, and partners | Can owners be excluded? What minimum/maximum payroll applies? |
| 1099s and subcontractors | How states treat independent contractors and certificates | Do I need coverage if I use 1099s? What if subs don’t have a COI? |
| Certificates of insurance | COI turnaround and proof of coverage | How quickly can I get a certificate of insurance? |
| State fund vs. private market | Availability, eligibility, and monopolistic states (ND, OH, WA, WY) | Do I buy from the state fund or a private carrier? What is a monopolistic state? |
| Assigned risk plans | How to obtain coverage if declined in the voluntary market | What if I’m new, high-risk, or have claims? |
| Pay-as-you-go and audits | Payroll reporting options, audits, and avoiding surprises | Can I do pay-as-you-go? How do workers’ comp audits work? |
| Claims and reporting | How to report injuries, deadlines, and employee benefits | How do I file a workers’ comp claim? What benefits are provided? |
| Waivers and endorsements | Waiver of subrogation, additional insured, and other endorsements | Do I need a waiver of subrogation? How does it affect cost? |
| Industry FAQs | Trade-specific rules and common pitfalls | Are there special rules for construction, healthcare, trucking, or restaurants? |
