Helpful articles & resources for business owners

Welcome to our digital resource for workers' comp, workplace safety, business management, and more. Click a category below to get started.

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About Cerity

If you are an existing member, you can visit our member portal. Cerity member services can be contacted via phone at 1-844-423-7489 and live chat during standard working hours Monday-Friday CST. You can also email us here.
You can log into your existing account in Cerity's member portal using your credentials, which will provide you with the requested information.
Cerity was founded in 2018. Learn more about Cerity and why we formed this company on the Why Cerity page.
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.

How to Get Started

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.

Small Business

Cerity is a licensed insurance carrier and producer that provides workers' compensation insurance.

Who We Cover

Currently, Cerity offers workers’ comp insurance to a wide variety of industries. We also cover a wide range of businesses, including startups, growing businesses, and established businesses.

For example, we cover businesses like bars, restaurants, and coffee shops, as well as offices such as tech and graphic design firms. Cerity also offers coverage to services such as barbers/ beauty salons, medical (i.e. general practitioners, psychiatrists, veterinarians, and diagnostic labs), and retail such as clothing, gifts, and shoe stores.

We are rapidly expanding to serve more small businesses. If you don’t see your business represented above, please try a quote - we may be able to cover you.

We currently provide workers’ comp insurance nationwide, including:

AlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFlorida, Georgia, HawaiiIdahoIllinoisIndianaIowa, Kansas, KentuckyLousianaMaineMaryland, Massachusetts, Michigan, Minnesota, MississippiMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashington D.C.West VirginiaWisconsin.
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.
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.

Workers' Compensation

To reduce your claims risk, you could start with implementing a safety program and accident prevention training. For more help and information, please visit our handling claims section of the website here.
Workers' comp policy price is largely based on your payroll over your policy period. We understand that over the course of your policy period, changes happens! After your policy period ends, a payroll audit will be conducted by Cerity to verify actual payroll & classifications to determine the final premium.
Put simply, establishing and maintaining a safety program with your team may reduce losses, which reduces your workers' compensation premium over time. To get started:

1. Assess your workplace, and identify known hazards and risks
2. Develop written programs and a process for when accidents occur
3. Provide safety training to your employees, educating them on what to do if an accident occurs
4. Clearly post safety protocol for handling equipment and hazardous materials
5. Create a safety committee, focused on continuous monitoring and improvement of the program

Here are some examples of safety work programs provided by the US Department of Labor, which can reduce your premium over time.
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.
The cost, or premium, varies depending on the jurisdiction your business is in as well as the nature of your business or operation. At Cerity, in order to determine an affordable price for your business, we evaluate your company's specific operational history and your business' payroll.
Yes, if you subcontract some of your work to other businesses or individuals, you should always ask them to provide a Certificate of Insurance to ensure they are covered. 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.
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.
If you, as a business owner, do not obtain workers' compensation insurance for your business, you may expose your business to a multitude of risks including potential lawsuits from injured employees, penalties for failing to obtain statutory coverage per state law, permanent closure of your business, and a variety of fines.
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.
Workers’ compensation is a form of business insurance which provides state required benefits to employees injured in the course and scope of employment, including wage replacement and medical benefits. It also protects your business from liabilities resulting from injuries arising in the workplace.