When will Cerity offer coverage in my state?

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. Stay tuned by following us on Facebook, LinkedIn, Twitter, & Instagram. We are expanding rapidly and expect to be live in most of the country in the coming months.

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Businesses We Cover with Workers' Comp Insurance

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

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!)

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)

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

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

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

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

Clothing Retail

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

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

Medical Professions

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

Architecture & Engineering Services

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

Financial Services

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

Scientific Services

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

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

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.

Outline of American map with pinpoint on a city in Texas

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.

What does Workers' Comp Insurance 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.

Who is covered under my Workers' Compensation policy?

To put it simply, your business is covered. Just like that. In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.

What documents do I need to sign up?

You do not need any documents to apply - we told you it was simple! 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.

Why do I need Workers' Compensation Insurance?

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.

How is Workers' Compensation related to payroll? What do I do when I hire, give raises or fire employees?

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.

I just added a lot more employees - will you still cover my business?

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.

Who is Cerity?

Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.