Workers’ Compensation Insurance
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Workers' compensation insurance certificate

A certificate of workers' compensation insurance is a document that provides proof of coverage and summarizes important details about your policy in a single page.

When do you need a certificate of workers’ compensation insurance?

Workers’ compensation insurance is required in nearly every state for businesses with employees. A certificate of workers’ compensation insurance is the document you may share as proof of workers' comp coverage.

Proof of insurance is often needed when you’re signing a client contract, entering a business partnership, or providing services to a government entity. A COI reassures your clients that if one of your employees suffers a work-related injury or illness, you’ll be able to cover the costs of medical bills, lost wages, and employee lawsuits. It also provides peace of mind that you’re in compliance with your state’s workers’ comp laws.

Workers’ compensation regulations vary widely from state to state, but any business with employees will likely need workers’ comp coverage. In some states, any subcontractors you hire will also be considered employees.

While not generally required by law, sole proprietors and independent contractors may also need to purchase a workers’ compensation policy and produce a workers’ comp certificate to fulfill the terms of a contract.

What information do certificates of insurance include?

A workers’ compensation certificate typically includes the following information about your workers’ compensation insurance policy:

  • The name of the policyholder
  • The name of your insurance company and its mailing address
  • Your workers’ compensation policy number
  • Whether business owners, partners, LLC members, or corporate officers are included or excluded from coverage
  • Your policy limits if your policy includes employer's liability insurance
  • Anyone listed as an additional insured under the policy
  • Policy effective date and expiration date
  • A description of your business

To see what one looks like, check out this sample ACORD certificate of liability insurance.

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How do you get a workers’ compensation certificate of insurance?

Before you can get a workers’ comp certificate, you first need to purchase a policy. If you don’t have workers’ compensation coverage, you can complete Insureon's easy online application to get affordable quotes from top-rated insurance carriers.

You can review your quotes and choose the one that best fits your needs and your budget. An Insureon agent who specializes in your field can answer any questions you may have, and help finalize your policy details.

Once your policy is active, you’ll receive your certificate of liability insurance – often on the same day.

Insureon has helped thousands of small businesses like yours, and we understand that you may need coverage right away to land a new client. That's why our expert agents can quickly get you the insurance coverage you need at the right price.

Save money by comparing quotes with Insureon

Complete Insureon’s easy online application today to compare workers' compensation quotes from top-rated U.S. insurers. Once you find the right policy for your small business, you can begin coverage in less than 24 hours.

Updated: April 29, 2022
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