Cover your New Mexico business in a few clicks.

Simple process. Affordable price. 70+ industries & growing.

New Mexico Businesses We Cover with Workers’ Comp Insurance

New Mexico Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, 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

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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, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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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

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

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Workers' Compensation for New Mexico Businesses

Worker’s comp insurance for the Land of Enchantment.

New Mexico, home of big mining operations, ghost towns once walked by Wild West gunslingers, educational and active Native American reservations, luxury spas and the heart of the American southwest. Foodies love the fusion of Spanish and Native American flavors, vibrant colors and green chile everything! Vintage auto clubs travel Route 66’s quirky attractions.

New Mexico has seen its healthcare industry experience strong growth, the industry accounts for about two-thirds of the job growth in the state. With places like historic Santa Fe and its art galleries, outdoor adventures in Taos and Las Cruces, the fabulous 250 million-year-old Carlsbad Caverns, and ruins of ancient civilizations at Chaco Canyon, New Mexico is a destination with dependable weather, unique landscapes, and lots to experience. Buy handmade pots and turquoise jewelry on the reservations, and be sure to check out the kaleidoscope shop in Jerome for a one-of-a-kind gift or souvenir. It’s a small business supporting more than 90 US artists and their small businesses!

There are 154,257 small businesses in New Mexico, which is 99% of all companies. Just over 54% of the workforce, 339,640 workers, spend their days at a small business, and nearly one in every six jobs is in the healthcare sector. New Mexico is attractive to manufacturers; no corporate income tax and no inventory tax are getting a lot of reasons to move here, and small businesses are poised to serve their needs.

New Mexico is a vast desert area with a unique landscape waiting to be appreciated. The stars here are like nowhere else. In fact, it’s home to the Very Large Array, 28 reconfigurable, HUGE radio antennas probing the heavens for discoveries, like ice on Mercury, black holes and new planet formations. But what if they’re also looking for aliens, like the visitors in Roswell? Kitschy and touristy, Roswell is a lot of fun to visit (be sure to look at the streetlights). Aliens are everywhere!

Workers’ comp insurance is a legal requirement here, and for good reason! New Mexico is still a wild, natural area, and sometimes the critters get lost. Nobody likes to find a coral snake under their desk, and even without a bite, somewhere in the chaos of overturned furniture and the stampede out the doors someone is going to get hurt. Roasting the famous green chiles has its own hazards, like when a particularly strong chile releases eye-watering aromas and your prep chef slices her hand. Get your fast and easy online Cerity workers’ comp quote today!

New Mexico Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of New Mexico residents employed by small businesses


number of workplace injuries


Americans with alien abduction insurance


Navajo population


Albuquerque International Balloon Fiesta guests

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

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.
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.
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.
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.
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.