SMALL BUSINESS OWNERS ARE BIG FANS.

An insurance company that actually gets some love? It’s true.

Upgrade your workers' comp
partners

The staff was easy to work with and provided the assistance I needed.

Susana R.
Trustpilot

Cerity’s customer service was great! I got my business covered quickly and at a much better rate than my last insurance company.

Sarah V.
Google

Fantastic experience dealing with this company. I would recommend them for any business looking for coverage.

Reggie W.
Google

Great communication. Love my rep, she’s amazing.

Fernando Z.
Trustpilot

Happy customer. The employees at Cerity are very knowledgeable and they respond quickly to any request that I may have

Randy Reinecke Eats Inc.
Trustpilot

Super simple to setup a policy and generate certificates. A+++++

Eric E.
Trustpilot

Exactly as advertised! Quick, easy, and efficient.

J&K Management
Trustpilot

Cerity have great service and customer support. They closely worked with us to pick the policy that fitted our need and set up our policy accounts accordingly!

Hassan F.
Trustpilot

Website was easy to navigate and the price was the best I found for workers compensation insurance !!

Mike
Trustpilot

Cerity to the rescue. The process was fast and straightforward. We were pleasantly surprised by the experience.

Rob N.
Trustpilot

“Love this company”

– John E.

Convenient, able to do everything on line as well as fair pricing.

Mary M.
Trustpilot

Thank you so much for affordable coverage. Fast and simple process.

Kelly J.
Trustpilot

Great help, quick turnaround for a special situation involving remote only workers across multiple states.

L. P&S
Trustpilot

Great,thank you!! Always took care of our needs

Kathryn T.
Trustpilot

Great rate with coverage!

Core Complex LLC
Trustpilot

Easy application process and affordable rates

Thompson Construction Services
Trustpilot

Customer service has always been helpful and answered my questions.

Jenny K.
Trustpilot

Smooth and easy process. Would recommend to everyone.

Tyler G.
Trustpilot

Join hundreds
of satisfied
small business owners

who are no longer worried about workers’ comp.

Nice and quick and easy nice people on phone

Edward S.
Trustpilot

Easy to work with. Very good rates.

David V.
Trustpilot

As having WC policy for 20 years, the initial application process was quick & easy. Fast turnaround in confirming/setting up the policy.

Eliot A.
Trustpilot

Needed workman comp quotes to find the best price find this site to be easy to use and found their pricing very reasonable. I would highly recommend this company.

Fab Star Cleaning Services
Trustpilot

Need workmans comp? This is the best to get. Easy to use and set-up, follow up answers in timely manner

James H.
Trustpilot

It was fast, uncomplicated, and I have insurance that covers my employees.

Jeff P. Clean Ambition
Trustpilot

Easy application process – reasonable pricing.

Mark R.
Trustpilot

Easy to set up, plus at a decent price.

Michael H.
Trustpilot

“Couldn't ask for more. I've been with Cerity now for a bit over two years. I have 0 complaints.”

– Brian M.

It’s easy and very simple and affordable. Thank you.

Khaila L.
Trustpilot

Fast and easy to sign up and great customer service

Yourboy Jojo
Google

Easy to work with. Fast response

Mari G.
Trustpilot

Fast, affordable, easy to do

Robin P.
Trustpilot

The company did a great job with ease of use to get a quote, and there was prompt follow up, and good communication

Latonia C.
Trustpilot

very user and time friendly

Shawn CP-USA
Trustpilot

good service. great help. great price.

James
Trustpilot

Thank you for your prompt reply at answering my questions!

Janey S.
Trustpilot
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How do I know if I need workers’ compensation insurance?

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. When employers buy workers’ comp insurance that is simple, straightforward, and comprehensive, they drastically limit the ramifications of injuries and illnesses that occur within the course of the work.

Worried about the cost of workers’ comp coverage? Having workers’ compensation insurance can pay for itself in the event that an employee is injured on the job, because workers’ comp policy premiums are typically significantly lower than the costs associated with covering medical expenses, lost wages, and other work injury-related expenses.

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.

We currently provide workers’ comp insurance to business owners in 47 states, including:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Louisiana, 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.

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.

What does workers’ comp 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.

Why should I get insurance through Cerity?

Let us count the ways. As a provider exclusive to small business, we’ve designed our entire offering to fit your needs. That includes:

  • Fast quotes and same-day certificates of insurance
  • Low, affordable rates with no hidden fees
  • Subscription style, month-to-month payments, no long-term commitment required
  • Coverage for lost wages and more
  • Transparent policies written in plain English
  • A pay-as-you-go option that shifts according to your current payroll
  • A supportive team including registered nurses on call 24/7
Will Cerity save me money?

It’s not a guarantee, but the chances are good. Many small business owners switch over to us from other providers when they discover they can get 20%, 30%, sometimes even 50% off what they’re currently paying. What can you save? There’s only one way to find out. Grab a quick, free quote here.

The information provided is intended to provide a general overview. This information is not legal advice and should not be relied on as such. Cerity® makes no warranties for the accuracy, adequacy, or completeness of the information provided, and will not be responsible for any actions taken based on the information contained herein. If you have legal questions or need legal advice, please consult an attorney.