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?

To obtain a certificate of insurance, you must have an active insurance policy. If you don't have coverage, you can complete Insureon's easy online insurance application to get quotes from top-rated carriers.

Choose the workers' comp policy that best matches your needs, and an Insureon agent can help finalize your policy details. Once your policy is active, you'll receive a certificate of liability insurance.

If you already have an active policy, contact your Insureon agent or log in to your account with our Customer Portal to download or request a certificate.

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.

Once you have you coverage, you can download or request a general liability certificate from our Customer Portal. Insureon can additionally help you secure a errors and omissions insurance certificate, general liability insurance certificate, or any other insurance coverage that you need.

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