He’ll miss you,
but you won’t miss him.

Go direct for workers’ comp with Cerity and ditch the middleman.
Just quick and accurate coverage—delivered to your inbox.


small biz owner
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Small business insurance without the hassle.

From restaurants to cleaning businesses, we’ve covered thousands of small businesses with fast and affordable workers’ comp – backed by over 100 years of experience and powered by best-in-class technology.


Free, fast quotes available 24/7.

You just want to see the rate—we get it. Stop by and grab a quote in 3 minutes, any time of day (or night).


Low rates that fit your business.

You shouldn’t have to pay for coverage you don’t need. We customize every quote according to the ins and outs of your biz, so you get a policy that’s right-sized for you.


Ready-to-go coverage in minutes.

Welcome to instant insurance, where there’s no waiting period or annoying game of phone tag. Get a same-day certificate of insurance and be on your way.


  • Pay-as-you-go payment setup available
  • Coverage for lost wages & more.
  • Registered nurses on call 24/7
  • Real, human customer support


If you’re happy, you can buy the policy right away.


Fantastic experience dealing with this company. I would recommend them for any business looking for coverage.

Reggie W.

I really enjoyed the group of folks over at Cerity! Their level commitment and dedication to get my Company where it needed to be was second to none.

Joel O.

I had a great experience with Cerity! The process for obtaining workers compensation insurance was fast, easy, and affordable!

Liz C.

It was great to be able to quickly & easily secure a worker’s compensation policy.

Michael G.

Great communication. Love my rep, she’s amazing.

Fernando Z.

It was easy to get my new policy set up and pricing is reasonable

Kevin H.

Happy customer. The employees at Cerity are very knowledgeable and they respond quickly to any request that I may have

Randy Reinecke Eats Inc.

Had a lot of trouble going through middlemen and confusing contracts to get workers comp for my business before I found this company. Overall a great experience!

Blue Lavender Cleaning
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Protect your biz today.

It only takes a few minutes, whether you’re already covered or just getting started.

Get instant quote

Have questions? We’re on it.

How do I know if I need workers’ compensation insurance?

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 accountants, bars, consultants, fitness, healthcare, restaurants, small business, therapists, architects, home-based businesses, independent contractors, lawyers, LLCs, massage businesses, nail salons, personal trainers, pet sitting businesses, photographers, cosmetology, engineering, estheticians, event planners, beauty, catering, cleaning, food and beverage, medical, offices, retail, and services.

We currently provide workers’ comp insurance to business owners in 42 states, including:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington D.C., West Virginia, Wisconsin.

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.

What does workers’ comp cover?

Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.

Why should I get insurance through Cerity?

Let us count the ways. As a provider exclusive to small business, we’ve designed our entire offering to fit your needs. That includes:

  • Fast quotes and same-day certificates of insurance
  • Low, affordable rates with no hidden fees
  • Subscription style, month-to-month payments you can cancel any time (no contracts)
  • Coverage for lost wages and more
  • Transparent policies written in plain English
  • A pay-as-you-go option that shifts according to your current payroll
  • A supportive team including registered nurses on call 24/7
Will Cerity save me money?

It’s not a guarantee, but the chances are good. Many small business owners switch over to us from other providers when they discover they can get 20%, 30%, sometimes even 50% off what they’re currently paying. What can you save? There’s only one way to find out. Grab a quick, free quote here.

The information provided is intended to provide a general overview. This information is not legal advice and should not be relied on as such. Cerity® makes no warranties for the accuracy, adequacy, or completeness of the information provided, and will not be responsible for any actions taken based on the information contained herein. If you have legal questions or need legal advice, please consult an attorney.