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

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

Eric E.

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

Wendy F.

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

Liz C.

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.

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

Rob N.

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

Randy Reinecke Eats Inc.

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

Susana R.

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

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

Kevin H.

“Love this company”

– John E.

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

Mary M.

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

Kathryn T.

It was easy to navigate the site, fair pricing and took only a few minutes to get our quote, thank you!

Fin & Smoke LLC

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

L. P&S

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.

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

Kelly J.

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

Wiley P.

Smooth and easy process. Would recommend to everyone.

Tyler G.

Join hundreds
of satisfied
small business owners

who are no longer worried about workers’ comp.

Easy application process – reasonable pricing.

Mark R.

Easy to sign up and affordable prices.

Tammy G.

Cerity is very professional and my experience with them has been nothing but the best.

Johnathan N.

Fast and easy! Affordable rates!

Justin M.

Great service and excellent prices.

Ervin B.

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

Nice and quick and easy nice people on phone

Edward S.

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

Jeff P. Clean Ambition

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

– Brian M.

You are very good

Nardos A.

Fast, affordable, easy to do

Robin P.

Fast easy to deal with

Rick P.

Quick response. Reliable service.

Karim O.

Amazing service super friendly and helpful

Tony N.


Misah S.

Fast and easy to sign up and great customer service

Yourboy Jojo

Made it easy thank you

Ted B.
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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.