Workers Compensation Insurance - Let us find your best coverage - coverage built around your payroll and job classes
Workers compensation pays medical bills and lost wages when an employee is hurt on the job, and most states require it once you hire. Carriers price it by class code, payroll and your experience mod. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.
Workers Compensation Quote Request
Applicant Information:
Have these handy
- Payroll by job type and state
- Current experience mod worksheet
- Owner / officer names and ownership %
- Five years of loss runs
Related coverage
What Workers Compensation coverage includes
Workers compensation pays medical bills and lost wages for employees injured on the job, and protects your business from most related lawsuits. Nearly every state requires it once you have employees, and penalties for going without can include fines and stop-work orders. We compare carriers, pay-as-you-go options and state funds to get the right class codes and price.
- Medical costs - Doctor visits, surgery and therapy for work injuries.
- Lost wages - Partial wage replacement while an employee recovers.
- Employers liability - Lawsuits tied to employee injuries not barred by comp.
- Disability benefits - Temporary and permanent disability per state law.
- Death benefits - Funeral costs and support for dependents.
- Pay-as-you-go billing - Premiums calculated with each payroll, reducing audit surprises.
- Other states coverage - Protection when employees travel or work in other states.
Good to know: putting each employee in the correct class code matters more than anything else. A misclassified clerical worker can cost you thousands at audit.
Not covered: injuries from horseplay, intoxication or self-inflicted harm, and independent contractors who are not properly classified. Rules vary by state.
Insurance Application:
Workers CompensationBegin Application
Required forms
Workers Compensation Supplemental Application (PDF)Want to save and finish later? Complete it online
Workers comp supplements (add any that apply)
Pay-As-You-Go Workers Comp (PDF)Want to save and finish later? Complete it online
Assigned Risk / State Pool (PDF)Want to save and finish later? Complete it online
Occupational Accident (PDF)Want to save and finish later? Complete it online
Employment Practices Liability (PDF)Want to save and finish later? Complete it online
Download, complete and email to quote@societiesinsurance.com, or attach them with your quote request. More options are listed below.
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
-
Mon-Fri 8:00am - 6:00pm
Sat 9:00am - 12:00pm
Workers comp explained
How workers compensation works
A workers comp policy has two parts: statutory benefits for injured employees, and employers liability for lawsuits related to workplace injuries.
Medical care
Doctor visits, hospital care, surgery, therapy and prescriptions for work injuries.
Lost wages
Partial wage replacement while an employee recovers.
Disability benefits
Temporary and permanent disability benefits as set by state law.
Employers liability
Lawsuits tied to employee injuries, such as claims from a spouse or third party.
Monopolistic states: in North Dakota, Ohio, Washington and Wyoming, workers comp is purchased from the state fund, not private carriers. You may still need stop-gap employers liability from a private carrier. Tell us where your employees work.
Pricing
How your workers comp premium is calculated
The formula
- Payroll for each class code, per $100
- Class code rate, based on the risk of the work
- Experience modification (mod), comparing your claims to similar businesses
- Discounts and credits from the carrier
- Your final premium is adjusted by an audit of actual payroll
Ways to lower your cost
- Classify each employee in the correct code
- Separate clerical and sales payroll from field payroll
- Create a written safety program and return-to-work plan
- Report injuries quickly to control claim costs
- Collect certificates from subcontractors so they are not added to your payroll
Declined by carriers? If no carrier will offer coverage, your state's assigned risk pool provides a safety net while you build a better loss history.
Employment coverage
Coverage for your workforce
Start with the workers compensation application, then add coverage that protects your business and employees.
Workers comp options
Pay-As-You-Go Workers Comp
Premiums billed with each payroll.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineAssigned Risk / State Pool
State assigned risk programs.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineOccupational Accident
Coverage for independent contractors.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineProfessional Employer Organization (PEO)
Coverage through a PEO arrangement.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineEmployee-related liability
Employment Practices Liability
Harassment and wrongful termination claims.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineCommercial Crime
Employee theft and fraud.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineDirectors & Officers (Private)
Management liability.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineEmployee benefits
Group Health
Employer-sponsored health plans.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineDental & Vision
Dental and vision benefits.
Get a quote Supplemental application (PDF)Want to save and finish later? Complete it onlineThis is a general overview. Coverage, availability and pricing vary by state, carrier and policy, and the policy itself controls. Questions? Call 800-616-3490.