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EMPLOYERS specializes in providing cost-effective Workers’ Compensation insurance and services to small businesses in low-to-medium hazard industries.

Do I Need Workers’ Compensation Coverage?

Generally speaking, businesses must obtain workers’ compensation coverage if they have employees that are not owners of the company. Most states allow sole proprietors and partners to purchase coverage, but it is not required. Check your state’s laws for further information on which types of employees need workers’ compensation coverage.

Beyond the legal requirements for businesses, workers’ compensation insurance is a smart investment to help provide protection for both your employees and your business in the event of a workplace accident or illness.


Our insurance companies are financially strong, rated A- (Excellent) by the A.M. Best Company. Because of our ongoing dedication to exclusively serve the workers' compensation insurance needs of small businesses, we have the knowledge and experience to provide coverage that is right for your business.

Some of the many reasons EMPLOYERS is right for your business:

  • Exceptional Value — our strategic approach to workers’ compensation insurance focuses on resources and value added services that protect your business today and set your business up for success in the future.
  • Cash Flow Assistance — we offer flexible payment plans and low minimum premiums to help you manage your cash flow more effectively.
  • Efficient Claim Handling — our 24/7, multi-lingual claim reporting center provides prompt service to injured workers while helping control claim costs by working with physicians to evaluate care.
  • Loss Control Support — resources to help you reduce workplace injuries and illnesses which can improve productivity and long term profitability.

More Information


*Quote availability is subject to applicable underwriting guidelines. Submitting the form will not provide you with an instant quote, nor is it an application for workers' compensation insurance. By providing the information, you agree that we can share the information provided with one of our appointed insurance agents who will contact you personally within the next few business days.

The information provided is intended to provide a general overview. This information is not legal advice and should not be relied on as such. EMPLOYERS® 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.