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

Upgrade your workers' comp

Reasonable premium. We have used this company for over 2 years and are extremely satisfied.

Greenpro Landscaping LLC

Exactly as advertised! Quick, easy, and efficient.

J&K Management

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

Rob N.

Great customer service. Agent was patient and kind.

Silvia T.

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


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

Eric E.

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

Susana R.

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

Randy Reinecke Eats Inc.

It was great to be able to quickly & easily secure a worker’s compensation policy.

Michael G.

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.

“Love this company”

– John E.

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

L. P&S

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

Kelly J.

So far I like this company and insurance. There are no hidden fees and it’s easy to use.

Darius C.

Being a relatively new nonprofit, I did not only know which agency to choose, but also had to find one that was affordable. I am happy that I found Cerity.

Ujima Way, Inc.

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

Mary M.

They took the time to make sure I got the coverage I needed.

Wiley P.

Super easy to use for policy needs!

Shery R.

Fast and easy application! The website was easy to maneuver and understand…the prices were affordable and beat every quote I received prior.

Johnny G.

Join hundreds
of satisfied
small business owners

who are no longer worried about workers’ comp.

Easy to set up, plus at a decent price.

Michael H.

Easy to work with. Very good rates.

David V.

Was great did not take all my time up had everything complete in less then 2 hours

Eric G.

Online fast and easy service ❤️

Rolland P.

Easy application process – reasonable pricing.

Mark R.

Nice and quick and easy nice people on phone

Edward S.

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

Eliot A.

Very nice rate and good customer service

Osvaldo M.

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

– Brian M.

It was very easy and quick to get my policy up and running literally took minutes and I was able to do everything through their website


Quick response. Reliable service.

Karim O.

You are very good

Nardos A.

It was fast and easy

Marta B.

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.

Fast and easy to sign up and great customer service

Yourboy Jojo

Amazing service super friendly and helpful

Tony N.


Misah S.
dot shape complete protection

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Grab a quick custom quote. You could have an affordable new policy to brag about in minutes. 👍


Have questions? We’re on it.

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.