Workers' Compensation

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We specialize in helping sole proprietors get inexpensive workers' compensation insurance. Our clients can choose from these options: you can exclude yourself from coverage (which is a ghost policy), cover yourself, or cover your employees.

What is workers' comp?

Simply put, coverage for injuries at work to the employer and their employees. It's also a type of insurance policy that protects sole proprietors from the cost of lawsuits for job related injuries or job related illnesses for their employees. If an employee gets hurt or sick on the job, it will pay for medical costs and lost wages. It also protects you, as the employer, from being sued for workplace conditions that might have caused the illness or injury. In a nutshell, it's the best way to protect your employees, your business, and yourself.

What does workers' comp cover?

Injured Employees

Workers' Comp helps pay lost wages and medical costs of employees who get hurt on the job, as well as funeral expenses if they die.

Employee Illness (work-related)

Workers' Comp helps pay for the medical costs and lost wages of employees who get sick on the job, as well as funeral expenses if an employee dies.


Protection against an employee from suing for job-related medical expenses and lost wages.

Do I need to get Workers' Compensation?

In almost all states, the law requires sole proprietors to get workers' comp insurance once they have employees. Most states will let you cover yourself if you choose (which we highly recommend), but it isn't required.

Below is a reference guide for the number of employees (including the owner) that requires you to carry workers' compensation insurance:

Alabama: 4
Arkansas: 3
Florida: 4
Georgia: 3
Michigan: 3
Mississippi: 5
Missouri: 5
New Mexico: 3
North Carolina: 3
South Carolina: 4
Tennessee: 5
Virginia: 3
Wisconsin: 3

For all other states, you are required to get workers' compensation after you hire your first employee. You should get workers' comp for your employees, even if you're not required. Even in states where it isn't legally required, you're still responsible for work-related injuries as an employer. Just because you don't buy the insurance policy doesn't mean you're off the hook if someone who works for you gets hurt. And you better believe your employees will be coming after you if something happens to them. The question you have to ask yourself is this: Would you rather pay a small amount for coverage each year, or a large amount that could potentially put you out of business if something happens?

How does Workers' Compensation work?

When an employee gets an injury or illness as a result of working on the job, your Workers' Compensation policy kicks in to help cover their wages and provide medical benefits until they are better. It may also cover services that help them recover and return to work. If they are unable to return to work, the workers' comp policy can provide long-term benefits. Finally, workers' compensation protects your business from legal exposure (i.e. getting sued by an employee).

How much is workers' comp for sole proprietors?

The rates are determined by a lot of things, such as risk, occupational classification, and experience rating. If you're in a high-risk industry, like construction, where it's more likely to have an accident, it'll cost more. Our experts have access to the best rates around. Get in touch with us and we'll help get you the right insurance for the best price.