Workers Comp, The Smarter Way.

Tell our AI assistant a little about your business — what you do, your team, your payroll — and get an eligibility estimate for workers comp coverage in about 60 seconds.

No phone tag, no jargon. We stay carrier-neutral until we know your business — then qualified companies continue straight to a top-rated carrier.

Built for small businesses — most finish in about a minute
Carrier-neutral until we know what your business needs
Flags state rules for you — including state-fund states
Secure & encrypted — your answers are never sold

Check My Eligibility How Workers Comp Works

Guidance you can trust Licensed insurance guidanceSecure & privateNo obligation to buy

AI Eligibility Assistant Secure & Private

1 Basics
2 Business
3 Team
4 Payroll
5 Review
6 Results

Hi, I'm your workers comp eligibility assistant. Just tell me your name and we'll get started — then I'll ask a few quick questions about your business to see if you may qualify for coverage.

First, what's your name?

Enter your name

What state is your business in?

Select your state

What kind of work does your business do?

e.g. landscaping, retail, consulting

How many employees do you have?

e.g. 5

Eligibility Estimate82%

Many small businesses may qualify for coverage with a top-rated carrier.

Your information is encrypted and never shared without your consent.

What we'll help you cover

Medical Bills

Treatment, hospital stays, and rehab for employees hurt on the job.

Lost Wages

Partial wage replacement while an injured employee recovers off work.

Disability Benefits

Ongoing support when a workplace injury causes lasting disability.

Employer Liability

Defense and damages if an injured employee sues your business.

New to workers comp? Start with our complete workers compensation guide — who needs it, what it costs, and state rules in one place.

A simpler way to cover your team

Built Around Your Business

Landscaper or law office — your trade, headcount, and payroll shape the coverage you compare, not a one-size-fits-all form.

State Rules, Handled

Workers comp is required in almost every state once you hire — and four states use state funds. We flag what applies to you before you buy.

Protects Both Sides

Medical bills and lost wages for your employee, lawsuit protection for you. One policy covers both sides of a workplace injury.

How It Works

1

Talk with the AI Assistant

Answer a few simple questions about your business, team, and payroll.
2

Get Your Eligibility Estimate

See how likely your business is to qualify with a top-rated carrier.
3

Review Your Match

Qualified businesses continue securely to the carrier that fits their trade and size.
4

Cover Your Team

Finish the real quote with the carrier — most small businesses are done the same day.

Common Questions About Workers Comp

Quick answers — tap through for the full guide.

What is workers compensation insurance?

What workers comp covers, who needs it, and how it protects both your employees and your business.

How does workers compensation insurance work?

From injury report to claim payout — how a workers comp policy actually works when something goes wrong.

How much is workers compensation insurance?

What workers comp costs per $100 of payroll, what drives your rate, and how small businesses can save.

Workers comp rates by state

Workers comp is state-regulated, so rates vary widely. Compare what coverage costs where your business operates.

We shop for you

We compare workers comp options side by side so you don't have to.

Expert guidance

Expert guidance from licensed insurance professionals.

100% secure

Your information is 100% secure and never sold.

Loved by readers

Thousands of 5-star reviews from readers just like you.

Affiliate disclosure: Simply Insurance may receive compensation when readers click partner links and an eligible policy is approved.

This tool provides an eligibility estimate, not a quote or a binding decision. Final appetite, pricing, and approval are determined by the carrier. Workers compensation requirements vary by state — North Dakota, Ohio, Washington, and Wyoming require coverage through their state fund instead of private carriers.