Protect your business from the unexpected

See how a worker's comp policy can help protect your business so you can stay focused on achieving your dreams.

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What is workers’ compensation insurance?

Workers’ compensation insurance provides critical financial protection for your small business. In fact, it’s so important that most states require business owners carry it the moment they hire their first employee.

A workers’ compensation policy provides the necessary coverage to help employees in the case of injury or illness sustained in the workplace. Learn more about how we calculate premiums starting as low as $25/month.

Workers’ comp insurance can help cover your business by providing financial assistance with the following:

  • Medical expenses for your injured worker
  • Supplemental wages for your employee consistent with your state’s statutes
  • Legal fees in the event you’re sued for injuries resulting from alleged workplace negligence

What does my workers' compensation policy pay for?

Workers’ comp insurance may be one of the most important investments you’ll make – in your business, in your employees, and in your bottom line. Which is exactly when your workers’ compensation insurance steps in to cover things such as:

Lost Wages

Workers’ comp insurance pays for a portion of lost wages when an employee is unable to work while recovering from a workplace injury.

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Medical Expenses

When your employees are injured in the course and scope of work, the medical expenses related to that injury are covered.

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Legal Protection

If there’s an allegation of employer negligence causing the injury, your workers’ compensation policy can provide legal protection.

Know what workers' compensation covers ... and what it doesn't

Workers’ comp insurance covers a lot of things, but it doesn’t cover everything. All of which makes implementing a safe and healthy work environment that much more important.

Common workplace injuries:

  1. Slips, trips, and falls
  2. Falling objects/walking into something
  3. Motor vehicle accidents
  4. Repetitive motion
  5. Cuts and lacerations

Less common workplace injuries:

  1. When your spelunking team building event goes awry
  2. When your pit master forgets his gloves opening the grill
  3. When a runaway bobsled in Park City crashes into the gift shop
  4. When a moose wanders up to your doughnut shop and busts the plate glass window
  5. When your bluegrass music themed gift shop’s banjo tuner tightens a string just a tad too tight and it snaps his face

Easy Customer Access

Putting smart technology to work

  • Access to your Cerity Member Portal
  • Online chat with a member services specialist between 7:30-5:30 CST
  • Call us at 1 844 423-7489 between 7:30-5:30 CST
  • Email us at

Cerity is here to help you and your employee.

When accidents happen, we know you may have a lot of questions. Our members have access to registered nurses 24/7, and we’ll help you through the claims process quickly and easily.

Cerity provides online resources, available any time you need them, to help guide you through each step of the process. Check out our Learning Center to find answers to frequently asked questions and small business resources to better prepare yourself for those unforeseen incidents.

How much does workers’ compensation insurance cost?

Workers’ comp insurance costs are regulated by state – and there are a few main factors that go into determining when you should get it and what your cost, known as premium, will be.

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State Laws

While each state has its own rules, almost all require business owners to purchase workers’ compensation insurance the moment they hire their first employee.

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Payroll size and number of employees

Workers’ compensation insurance pays for an injured employee’s lost wages while they recover from an injury sustained in the course and scope of work. As your head count increases, so does your payroll – and the potential for injury in the workplace.

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Type of work and risk involved

The type of industry you’re in and the type of work your employees do affects how much your premium will be.

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Your claim history

If you have fewer claims than your peers, your premium is more likely be lower. Here’s more info on how to handle a workers’ comp claim.

Frequently asked questions

Workers’ compensation is a form of business insurance which provides state required benefits to employees injured in the course and scope of employment, including wage replacement and medical benefits. It also protects your business from liabilities resulting from injuries arising in the workplace.
The cost, or premium, varies depending on the jurisdiction your business is in as well as the nature of your business or operation. At Cerity, in order to determine an affordable price for your business, we evaluate your company's specific operational history and your business' payroll.
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.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.