Cover your entire business in a few clicks.

Simple process. Affordable price. 115+ industries & growing.

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Businesses We Cover with Workers' Comp Insurance

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Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual/Food Trucks, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

Hospitality

Business Traveler Hotels, Extended Stay Hotels, & Luxury Hotels

Landscaping & Lawn Services

Landscaping Services & Lawn Maintenance

Printing & Publishing

Commercial Printing (except books) & Commercial Screen Printing (clothing & pre-manufactured textiles or fabric rolls)

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, Religious Organizations & Translation/Interpretation Services

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Food & Beverage Manufacturing

Chocolate, Cookies, Confectionery, Crackers, Craft/Distillery, Coffee/Tea, Dog/Cat Food, Dried/Dehydrated Food, Dry Pasta/Dough/Flour, Ice Cream, Prepared Sauces (Mayonnaise/Dressings), Microbreweries & Wine Making

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Commercial Janitorial, Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

Learn more about how workers’ compensation insurance can protect your specific type of business. We cover many different industries, 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.

Every month we’re expanding rapidly to cover more states and businesses.

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States covered

Every month we’re expanding rapidly to cover more states and businesses.

States covered

 

State or industry not listed?

We’re happy to let you know when we can provide you a quote.
 




Explore commonly asked questions about business type, industry and state.

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.
To put it simply, your business is covered. Just like that. In most cases, all of your employees are covered by workers' compensation insurance. You can request a Certificate of Insurance (COI) to provide proof of insurance. You can request periodic COIs throughout the contract.
You do not need any documents to apply, however it will be helpful to have your business FEIN on hand. All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote on a policy you can purchase easily online.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Starting a small business is nothing less than an act of bravery. Those who dare to do it deserve total support — and that’s why we built Cerity. We reimagined insurance to meet the needs and wants of small businesses, making it easier, more flexible, and more transparent. Founded by a company that’s insured over 100,000 small businesses, we have the experience (and empathy) to help you get the workers’ comp coverage you need, fast. Check out our free workers’ comp quote tool to see for yourself.