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You’re paying way too much for business insurance. With no commissions and no upfront costs, we can save your business big money today.

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Simple policies. Month-to-month pricing.
Zero sneaky fees.

Simple policies.
Month-to-month pricing.
Zero sneaky fees.

Small biz, we’ve got your back.


Owner’s Policy

The essential coverage for
any business. Powered by Attune™.

  • Includes general liability and property coverage.
  • Coverage for property/equipment damage.
  • Includes business interruption coverage.
  • No hidden fees. Friendly customer support.


Workers’ Comp

The must-have for
businesses with employees.

  • Pay-as-you-go payment setup available.
  • Coverage for lost wages & more.
  • Registered nurses on call 24/7.
  • No hidden fees. Friendly customer support.

Purchasing insurance has been re-imagined.

Smart and easy

Artificial intelligence designed for human needs. Fast and
affordable, we take the worry out of buying workers’ comp

Expert Support

You’ll have access to our team of licensed policy and claim
experts to guide you every step of the way.

Peace of mind

Focus on growing your business while we focus on protecting
it. Cerity has a 5 star rating and is backed by over 100
years of experience

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Don’t just take our word for it.


It was quick, easy and hassle-free to get the online quote and buy the policy online. At one point, I had a question and their respond was immediate.
Serene ZiCornell
Cerity's customer service was great! I got my business covered quickly and at a much better rate than my last insurance company.
Sarah Venable
Excellent customer service and affordable coverage. Highly recommend!
Jacquelyn Beads
Fantastic company. I just won a new big client that required I get workers' comp to land the project. Cerity got me covered quickly and at a surprisingly affordable price!
Gregory Melon



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Are you overpaying? Get your quote now!

  • No fees for policy maintenance
  • No fees to cancel before policy starts
  • No fees to compare our rate to current rate
  • No fees to help you switch today and start saving tomorrow

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None of us go about our work days expecting the worst to happen, but occasional accidents are inevitable. In fact, the National Safety Council reports that workplace accidents happen every 7 seconds. When employers buy workers’ comp insurance that is simple, straightforward, and comprehensive, they drastically limit the ramifications of injuries and illnesses that occur within the course of the work.

Worried about the cost of workers’ comp coverage? Having workers’ compensation insurance can pay for itself in the event that an employee is injured on the job, because workers’ comp policy premiums are typically significantly lower than the costs associated with covering medical expenses, lost wages, and other work injury-related expenses.

While the laws vary between states, most states require all employers, including small business owners, to have workers’ compensation insurance. Workers’ comp insurance covers all employees, even in states where employers are not required to have workers’ comp insurance because most employers still choose to obtain it to protect their business. Workers’ comp insurance can protect all kinds of businesses including accountantsbarsconsultantsfitnesshealthcarerestaurantssmall businesstherapistsarchitectshome-based businessesindependent contractorslawyersLLCsmassage businessesnail salonspersonal trainerspet sitting businesses, photographerscosmetology, engineering, estheticians, event planners, beauty, catering, cleaning, food and beverage, medical, officesretail, and services.

We currently provide workers’ comp insurance to business owners in 42 states, including:
AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaHawaiiIdahoIllinoisIndianaIowaKentuckyLousianaMaineMarylandMichiganMississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, TennesseeTexasUtahVermontVirginiaWashington D.C.West VirginiaWisconsin.

Read more about the ins and outs of workers’ comp insurance on our blog post titled What is workers’ comp insurance? in our Learning Center.
Business Owner's Policies (BOP) bundle property, liability and business interruption coverages into one policy and protect against things like property and equipment damage, customer lawsuits, and lost business income due to a covered event like a fire.