Insurance designed for busy bootstrappers.
From food trucks to catering businesses, we’ve covered thousands of small businesses with fast and affordable workers’ comp—backed by 100 years of experience and powered by best-in-class technology.
Low rates with no sneaky fees.
Our policies start at $25/month, and we mean it. We’ll never blindside you with hidden or last-minute fees.
Total flexibility, no long-term commitment required.
Small business is unpredictable. That’s why we let you pay month-to-month with no long-term commitment required.
Coverage in minutes.
No waiting or back-and-forth with agents. Get a same-day certificate of insurance and be on your way.
NO-NONSENSE COVERAGE FOR YOUR CREW
- Real, human customer support
- Pay-as-you-go payment setup available
- Registered nurses on call 24/7
- Coverage for lost wages & more.
If you’re happy, you can buy the policy right away.
SMALL BUSINESS OWNERS ARE BIG FANS.
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 response was immediate.
Excellent customer service and affordable coverage. Highly recommend!
Cerity’s customer service was great! I got my business covered quickly and at a much better rate than my last company.
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!
I really enjoyed the group of folks over at Cerity! Andrew, Kashira and Leah were my reps and let me tell you; their level commitment and dedication to get my Company where it needed to be was second to none. Their team was extremely knowledgeable and answered all of my questions without hesitation but more importantly, they taught me what I needed to know from a compliance perspective. Without a doubt, my team and I could not have progressed to where we are today without the ongoing support from the Cerity team!
These guys helped me super quick when I wanted to make some changes to my policy. Very much not what I was expecting given my past experiences with literally every other company I've dealt with in this type of business. I really appreciated it.
I pride myself in being thorough when it comes to making decisions about my business, and can say that Cerity had the best coverage options hands down. Their service is terribly convenient, and their customer service was so helpful throughout the entire process when answering my questions.
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, Lousiana, 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 long-term commitment required)
- 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.