SMALL BUSINESS OWNERS ARE BIG FANS.

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

Upgrade your workers' comp
partners

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

Eric E.
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

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

Susana R.
Trustpilot

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

Reggie W.
Google

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

Michael G.
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

I had a great experience with Cerity! The process for obtaining workers compensation insurance was fast, easy, and affordable!

Liz C.
Trustpilot

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

Mike
Trustpilot

Had a lot of trouble going through middlemen and confusing contracts to get workers comp for my business before I found this company. Overall a great experience!

Blue Lavender Cleaning
Google

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

Greenpro Landscaping LLC
Trustpilot

“Love this company”

– John E.

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

Darius C.
Trustpilot

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

Kathryn T.
Trustpilot

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.
Trustpilot

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

Kelly J.
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

Simply easy process. Great people who respond extremely fast.

Dayne
Trustpilot

Easy application process and affordable rates

Thompson Construction Services
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

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

James H.
Trustpilot

Great service and excellent prices.

Ervin B.
Trustpilot

Easy to set up, plus at a decent price.

Michael H.
Trustpilot

Easy. Service well done and wasn’t hard

Mark B.
Trustpilot

Very nice rate and good customer service

Osvaldo M.
Trustpilot

Fast and easy! Affordable rates!

Justin M.
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

“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 easy to deal with

Rick P.
Google

Outstanding service and easy to use

Heath E.
Trustpilot

Fast, affordable, easy to do

Robin P.
Trustpilot

Made it easy thank you

Ted B.
Trustpilot

Amazing service super friendly and helpful

Tony N.
Trustpilot

Easy to work with. Fast response

Mari G.
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
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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.