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

Upgrade your workers' comp

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

Fernando Z.

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.

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


Fast, easy and great price. Approved and covered in 5 mins, as a new very busy business owner this was extremely appreciated.

Wendy F.

It was easy to get my new policy set up and pricing is reasonable

Kevin H.

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

Reggie W.

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

Randy Reinecke Eats Inc.

I really enjoyed the group of folks over at Cerity! Their level commitment and dedication to get my Company where it needed to be was second to none.

Joel O.

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

Michael G.

Great customer service. Agent was patient and kind.

Silvia T.

“Love this company”

– John E.

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

Kathryn T.

Super easy to use for policy needs!

Shery R.

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

Mary M.

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

Darius C.

Great rate with coverage!

Core Complex LLC

Easy application process and affordable rates

Thompson Construction Services

Smooth and easy process. Would recommend to everyone.

Tyler G.

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.

Join hundreds
of satisfied
small business owners

who are no longer worried about workers’ comp.

Great service and excellent prices.

Ervin B.

Nice and quick and easy nice people on phone

Edward S.

Easy to sign up and affordable prices.

Tammy G.

Easy to work with. Very good rates.

David V.

Easy application process – reasonable pricing.

Mark R.

Everything is great. Very easy . Thank you

Michael S.

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

Eric G.

Easy. Service well done and wasn’t hard

Mark B.

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

– Brian M.


Misah S.

Easy to work with. Fast response

Mari G.

Made it easy thank you

Ted B.

Fast, affordable, easy to do

Robin P.

You are very good

Nardos A.

very user and time friendly

Shawn CP-USA

It was fast and easy

Marta B.

Fast and easy to sign up and great customer service

Yourboy Jojo
dot shape complete protection

[Your review here]

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.