TAKING CARE OF BUSINESS
The Small-Business Owner's Guide to Workers' Compensation Insurance

Chapter 2: How Workers' Comp Insurance Works
Part 3: Where Do Small Businesses Get Workers' Compensation Insurance?

There are two ways to purchase Workers' Compensation Insurance:

  • Through a private insurer. At insureon, we specialize in helping small-business owners find policies tailored to the needs of their business. We've sold Workers' Compensation Insurance to a variety of different businesses across the country. All you need to do is fill out our online insurance application to receive free quotes via email.
  • Through your state's Workers' Compensation Insurance fund. Not all states have Workers' Compensation Insurance funds. (We go into more detail about this below.) But if you live in a state that does, you'll either be required to purchase insurance through the state, or you'll have a choice between the state fund and a private insurer.

As you can see, your purchasing options are dependent on your state's laws. Below, we discuss the different types of state funds in more detail.

Next: What Is a State Compensation Insurance Fund?

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