Where To Buy Workers Compensation Insurance May 2026

If your business is in a high-risk industry (like roofing or logging) and private carriers reject your application, you can apply for the . This is a state-mandated program that ensures every employer can get coverage, though it is usually the most expensive option. Key Documentation

Most businesses buy policies through private insurance companies. You can compare rates at sites like Insureon or Progressive Commercial . where to buy workers compensation insurance

Once you buy a policy, you will receive a . You will often need to provide this proof of coverage to clients, contractors, or vendors before starting a project. Workers' Compensation Insurance - Progressive Commercial If your business is in a high-risk industry

: Check AM Best ratings to ensure the carrier is financially stable enough to pay out long-term claims. 2. State-Funded Options You can compare rates at sites like Insureon

Depending on where your business is located, you might use a state fund:

: In North Dakota , Ohio , Washington , and Wyoming , you must buy insurance through the state-operated fund. Private insurance is not allowed.