Affordable workers’ comp insurance for workplace accidents
- Instant quote
- Flexible payments
- Buy online, save 30%
- Expert assistance
- No middleman
- Secure platform
Cerity works for your business.
Our members love us because we’re different. Really.
Smart and easy
Artificial intelligence designed for human needs. Fast and affordable, we take the worry out of buying workers’ comp insurance.
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 Google rating and is backed by over 100 years of experience.
Purchasing insurance has been re-imagined.
Not just a quote
With Cerity’s proprietary tools built into modern technology, you will have an immediate buyable workers’ comp quote today.
No waiting on documents
Cerity is here for those times you need it NOW, with insurance policies available to print and view immediately.
We cut out the middleman to save you money, and we developed a pricing model that rewards you for running a safe workplace. Cha-ching.
Don’t just take our word for it.
Why does your business need workers' comp insurance?
It’s understandable to view workers’ comp as just another expense to factor into your budget, but it’s much more than that. Workers’ comp insurance coverage is a necessary safeguard that protects you and your employees. No employer should live without it.
Employers should always strive to foster a safe work environment that supports their employees’ comfort, health, and success. But there are some accidents and health risks that simply can’t be prevented, regardless of that caution. When these incidents strike, workers’ comp insurance shields employers from legal repercussions and protects employees from potentially disastrous wage losses and medical expenses.
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. By purchasing coverage that is simple, straightforward, and comprehensive, employers drastically limit the ramifications of injuries and illnesses that occur within the course of the work.
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.
What states are covered?
We currently provide workers’ comp insurance to business owners in 36 states, including: Alabama, Arizona, Arkansas, Connecticut, 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, South Carolina, 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.