Small Business Workers Compensation
The greatest insurance plans for shops and retailers are ones we've created.
Workers Comp Coverage and Business Insurance
For more than 15 years, we have assisted professional business owners in locating simple and reasonably priced insurance. Our professionals are skilled at negotiating the best coverage prices and are aware of the underwriting specifications set forth by the insurance providers. We’ve created programs to assist you in obtaining the finest deals and most flexible payment options because of this.
We collaborate with the top-tier insurance providers.
Pay As You Go
Boost cash flow and lower the chance of large audit costs.
Comparison Pricing
Obtain estimates from several insurance providers to guarantee the best deals.
Claims Management
To expedite the settlement of claims, our carriers employ skilled claim managers.
Our Top Business Insurance Companies
Markel FirstComp
Accident Fund
The Hartford
Travelers
Employers Insurance
Chubb
State Auto
Great American
AmTrust
Workers Compensation Codes Related to Business Professionals
Classification codes are used to organize employees according to their work functions and job requirements. Currently, insurance companies and brokers can use roughly 800 class codes provided by the National Council on Compensation Insurance (NCCI) to classify personnel for rating reasons. To start pricing a policy, insurance firms establish a base manual rate for each class code.
Sorting employees correctly is a crucial step in obtaining quotes. Small firms may lose thousands of dollars due to incorrectly classified workers. After an annual audit, you might find that you are overpaying for coverage or that your debt has increased.
Sorting employees correctly is a crucial step in obtaining quotes. Small firms may lose thousands of dollars due to incorrectly classified workers. After an annual audit, you might find that you are overpaying for coverage or that your debt has increased.
Class Code 8742 | Sales and Consulting
Class 8742 is a relatively broad class that covers a wide range of businesses and sectors. This code makes the assumption that these professionals might drive themselves to and from meetings and consultations. Outside sales representatives, agents, marketing companies, collection agencies, event coordinators, financial advisers, manufacturing representatives, and other related sales organizations are some of the businesses that frequently come under this class code.
Class Code 8810 | Office and Clerical
When professional workers at an office do not often utilize a vehicle for work, they usually fall under class code 8810. It is rather typical for a company to have workers compensation policies that classify some of its employees as sales class and others as clerical class. In the absence of a more precise class code, these codes are applicable to all organizations.
Class Code 8832 | Doctors' Office
For the purpose of quoting coverage, a typical doctor’s office uses this standard class. It also covers outpatient surgery centers, optometrists, dentists, therapists, and medical laboratories.
Class Code 8820 | Law Firms
All workers at a law office, including attorneys, secretaries, messengers, and couriers, fall under this category.
Class Code 8803 | Accountants
The majority of accountants and auditors use code 8803 as their normal national class code. This class considers an extension of the conventional clerical class code (8810)’s driving exposure.
Class Code 8868 | Academic Professionals
Teachers and other professionals working in schools, colleges, and other educational institutions are typically categorized in this way.
Alternative State Class Codes for Business Professionals:
States occasionally stray from the NCCI-recommended industrial class code. For some business segments, they might demand the use of a state-specific class code in place of the NCCI code.
| Class Code | State |
|---|---|
| 8751 | Route Salespersons | New York |
| 8743 | Mortgage Brokers | California |
| 8834 | Medical Lab | California |
| 8839 | Doctors Office | California |
| 951 | Outside Sales Professionals | Delaware / Pennsylvania |
| 953 | Office and Clerical | Delaware / Pennsylvania |
| 957 | Medical | Delaware / Pennsylvania |
Related:Accounting, bookkeeping, payroll bureau, insurance agent, auditor, claims adjuster, title company, mortgage broker, loan officer, public relations, advertising firm, debt collection, interior decorator, wedding planner, logistics, business consulting, and travel agency are some examples of the professions that fall under this category.
Workers Compensation is a national Agency, licensed throughout the United States.
Get the Best Professional Insurance Coverage
Because their advisor does not have access to the most affordable insurance firms, many small businesses are overpaying for insurance coverage. Installment agreements based on predicted payroll that don’t change when payroll varies are used by other business owners. For every distinct state and kind of organization, we assist our clients in locating the most affordable insurance rates. Your company’s cash flow will be enhanced by our Pay As You Go payment options. We assist new entrepreneurs and businesses with higher EMR ratings. Since 2005, we have been writing small-scale insurance.
Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp – $0 Deposit
Guaranteed Cost and Deductible Options
National Nursing Home Expertise
More Markets for More Solutions . We shop renewals too
Commercial Package Insurance Options
What Does Workers Comp Cover?
Workers comp coverage protects employees when injured. It makes good financial sense for both parties.
Accidents and injuries occur. These mishaps and claims are covered by a no-fault scheme called workers compensation insurance. In most states, it’s mandated by law.
- Lost income for workers who can't perform job duties
- Medical expenses for injury or illness on the job
- Retraining expenses for employees unable to return
- Permanent injury or disability for lasting injuries
- Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
Workers compensation insurance may not always shield employers or employees from lawsuits brought on by workplace accidents.
- Injuries resulting from a violation of the law
- Accidents resulting from using drugs or alcohol
- Injuries that did not occur in connection with the job
- Clear company policy violations
- Injuries that did not occur in connection with the job
Lower Your Small Business Insurance Costs
For small enterprises, the cost of business insurance has been rising. The primary drivers of the cost increase in coverage have been workers compensation and general liability insurance. In order to offer our clients business insurance options that are more reasonably priced, we have teamed with our insurance providers. Inquire about our business professional package insurance options:
- Workers Compensation and Employers Liability
- General Liability Insurance
- Professional E&O Insurance
- Commercial and Personal Property
- Umbrella Liability and more
Not every class code or every line of insurance coverage will be offered in every state. For information on our general liability and workers’ compensation insurance programs, get in touch with one of our workers’ compensation specialists.
How Much Does Assisted Living Insurance Cost?
Our clients typically pay about $0.45 cents for workers compensation for every $100 of payroll. A general liability insurance coverage typically costs $495.00.
Workers Comp Costs
- Work Comp is priced based on payroll
- Your state and EMR Rating will affect your cost
- The type facility can modify rates
- Premium discounts and policy credits may apply
General Liability Costs
- GL rates are based on sales (rated per $1000)
- Gross revenue may affect pricing
- The type of skills matters to underwriters
- Prior clams and years in business affect pricing
- SIC codes vary by industry
E&O Costs
- Rates of errors and omissions depend on the occupation.
- Pricing may be impacted by gross revenue.
- Underwriters are concerned about security and sensitive data.
- Pricing is impacted by years in company and prior claims.
How To Get Workers Comp
How Do I Get Started?
Here's what we need from you
- Business details, locations, FEIN or SSN
- Estimated annual payroll and job duties- class codes
- Claims info or loss history- if applicable
What Happens Next?
We go find for your best price
- Our software matches you with top-rated carriers
- Our agents apply and negotiate your lowest rates
- We present and recommend your best options
Real Agents, Fast Insurance Quotes
Compared to other insurance companies or organizations offering online workers compensation estimates, Workers Compensation is unique. We are authorities on ownership regulations, class codes, audits, and state legislation. The best workers’ compensation insurance quotes from reputable carriers are obtained through our quote procedure. Check it out for yourself. Give our professionals a call at or begin your online workers’ compensation quote request right now. You’ll be happy that you did.
Workers Compensation Info
- What is Workers Compensation?
- Workers Compensation Class Codes
- Experience Modification Rates
- How Much Does Workers Comp Cost?
- Workers Compensation by State
Workers Comp Programs
- Best Selling Workers Comp Programs
- Pay As You Go Insurance
- Self Monthly Workers Comp Reporting
- The Hartford Workers Compensation
- Multi-State Workers Comp Coverage
Employer Resources
- Workers Compensation Rates
- Rules for Workers Comp
- Frequently Asked Questions
- Find a Workers Comp Form
- Get Workers Compensation Quotes
Customer Service
- Certificate of Insurance
- Make a Payment
- Report a Claim
- Workers Compensation Insurance Audits
- Staff Directory
National Broker Services
- Insurance Agents
- Payroll Service Companies