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Best workers' compensation insurance for small businesses
When buying a workers' compensation policy, not every provider offers the same coverage and support. Find the best insurance company for your type of business, your budget, and your geographical area.
What are some of the best companies selling workers' comp insurance in 2026?
Every small business is different, which is why there's no one insurance company that we recommend when buying workers' compensation insurance.
Insureon is the #1 digital agency for small business insurance, partnering with 40+ U.S. insurance providers to find the coverage that is right for your small business. We've helped over 450,000 small businesses get protected with more than 1.8 million policies.
When you compare quotes with our free application, we do the work for you by retrieving quotes from the companies that best match your business needs. The most important factors are:
- Best-rated workers' compensation insurance companies, in terms of financial strength
- Best providers for your industry
- Best providers for your business's location
Some providers specialize in workers' comp for certain professions, and others operate only in limited regions of the country. All of our insurance partners are rated excellent or superior by AM Best, a global credit rating agency specializing in the insurance industry.
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Best-rated workers' compensation insurance companies
When buying workers' compensation coverage with Insureon, you'll get quotes from some of the biggest names in the industry. We do the research for you, providing customized quotes only from those carriers who match your risks.
Workers' compensation insurance covers medical bills from work-related injuries and provides disability benefits and death benefits to compensate for lost wages. Most policies include employer's liability insurance, which pays for legal defense costs if an injured employee sues your business.
Because personal health insurance can deny claims for medical care related to work, even the self-employed may choose to carry this coverage.
Based on financial strength and overall rating, our top carriers for workers' compensation insurance policies include:
The Hartford
Acuity
- AM Best rating: A+
- Focus: Reliability, customer satisfaction, and risk management
- Coverage area: 30+ states, based in the Midwest
AmTrust
- AM Best rating: A- (Excellent)
- Focus: Leading provider of workers' comp with affordable policies
- Coverage area: Not available in all states
Chubb
- AM Best rating: A++
- Focus: Exceptional customer service and claims process
- Coverage area: Nationwide
Liberty Mutual
- AM Best rating: A (Excellent)
- Focus: Specialized expertise and comprehensive coverage
- Coverage area: Nationwide
How much does workers' compensation insurance cost?
The average cost of workers' compensation insurance is $54 per month for Insureon's small business customers. Annual premiums range from about $250 to $5,700 per year.
Workers' comp premiums are calculated based on a few different factors, including:
- The type of work your employees perform
- Number of employees
- Business location
- Annual payroll
- Policy limits and deductible
- Workers' compensation claims history
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Best workers' comp insurance providers by industry
When searching for workers' compensation for your small business, your profession is a key factor. A provider who knows the specific business risks associated with your work can make sure you're covered for the relevant exposures.
Here are the recommended providers for our top industries:
Construction and contracting
Construction businesses and contractors often look to Acuity or The Hartford for workers' compensation insurance coverage.
Acuity is a regional carrier with the strength and resources of a national carrier. They offer specialized coverages for contractors, such as carpenters and handymen, with an emphasis on accident prevention and a 24/7 nurse hotline for workers with non-emergency injuries.
Plumbers, electricians, and other contractors can also rely on The Hartford for workers' compensation. By working with a company that knows your industry, you'll gain peace of mind knowing you're insured for the right exposures.
Installation
Installation contractors and businesses often rely on The Hartford or Acuity for workers' compensation insurance.
Founded over 200 years ago, The Hartford is one of the oldest and most reliable insurance companies. It offers extensive support to injured workers and your business during a workers' comp claim, including resources to help employees return to work.
Acuity has a 24/7 nurse helpline that provides non-emergency care for workplace injuries, as well as a network of affordable healthcare providers.
Consulting
The Hartford and Chubb are two of the best carriers for workers' compensation for consulting firms.
The Hartford is one of the oldest and most dependable insurance providers, with a network of experienced medical providers and pharmacies.
Chubb offers a workers' comp policy that fits a wide range of small business workers. The company has an exemplary record for customer satisfaction during the claims process.
Cleaning
Cleaners often rely on AmTrust, Acuity, and The Hartford for workers' compensation insurance.
AmTrust offers customized workers' comp packages that fit small cleaning businesses, in addition to a pay-as-you-owe payment plan for cleaning businesses that can't afford large payments upfront.
Acuity is a regional carrier with the strength and resources to match the major national carriers. The company's 24/7 nurse helpline helps resolve non-emergency injuries, and its network offers cost-effective access to medical providers and prescription drugs.
The Hartford offers specialized coverage for cleaners, including policies like general liability insurance that protect against claims your business harmed a client or damaged their property.
Top professions that need workers' compensation insurance
Best workers' comp insurance providers by state
Some carriers have a limited area of operations, so your state is another consideration when it comes to the best carriers for workers' comp insurance. Keep in mind that businesses in monopolistic states (Ohio, North Dakota, Washington, and Wyoming) must purchase workers' compensation from their state fund.
State laws for workers' comp usually require businesses to buy coverage when they hire their first employee, full-time or part-time. If you hire out-of-state workers, then your business must comply with their states' workers' compensation laws.
Here are the most popular small business insurance companies for our top five states, based on the number of policies sold.
| State | Top 3 workers' comp insurance companies |
|---|---|
The Hartford Acuity AmTrust | |
The Hartford AmTrust Chubb | |
The Hartford Acuity AmTrust | |
The Hartford AmTrust Chubb | |
The Hartford AmTrust Chubb |
How can I find affordable workers' comp insurance for my small business?
There are several ways to save money when it comes to workers' compensation insurance:
- Shop around. Compare workers’ comp quotes from different insurers to find the most affordable price.
- Use the correct class codes. Avoid misclassifying your employees with the wrong class codes, which can lead to penalties and additional costs in the long run.
- Pay-as-you-go plans. A pay-as-you-go workers' comp plan offers flexible premiums that change as your workforce shrinks and grows.
- Low-premium plans. Ghost policies and minimum premium policies offer sole proprietors and independent contractors an affordable way to buy workers' comp.
- Risk management. Safety procedures and personal protective equipment (PPE) can help you avoid injuries and keep your workers' comp rates low.
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General liability insurance
General liability insurance covers common business risks like customer injury, customer property damage, and advertising injury. It protects your small business from the high costs of lawsuits and helps you qualify for leases and contracts.
Business owner’s policy
A business owner’s policy (BOP) bundles general liability insurance with commercial property insurance. It typically costs less than if the policies were bought separately.
Professional liability insurance
Professional liability insurance, also called errors and omissions insurance, protects small businesses against the costs of client lawsuits over unsatisfactory work.
Commercial auto insurance
Commercial auto insurance covers legal bills, medical expenses, and property damage if a business vehicle is involved in an accident.
Cyber insurance
Cyber liability insurance, also called cybersecurity insurance, protects small businesses from the high costs of a data breach or malicious software attack. It covers expenses such as customer notification, credit monitoring, legal fees, and fines.
How do I get workers' comp coverage?
Insureon helps you find the right coverage for your small business from the nation's leading insurance carriers. Get quotes for workers' comp, general liability coverage, and other types of insurance in one place by filling out our easy online application.
Our expert insurance agents can answer any questions you might have. They'll make sure your coverage matches your profession, your budget, and any unique risks.
Most small business owners can get insured within 24 hours of applying for quotes. Policyholders can download a certificate of insurance (COI) at any time for proof of coverage.
Updated: March 4, 2026
The figures on this page are the median cost of policies purchased by 40,000 of Insureon's customers. The median offers a better estimate of what your business is likely to pay because it excludes high and low outliers. Most of our customers have five years or less in business, fewer than five employees, and annual revenue ranging from around $50,000 to more than $200,000.
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