Workers’ Compensation Insurance
Protect your employees and your business.
Choose your primary industry to get started:
The best Workers’ Comp insurance can help cover the cost of workers hurt on the job
Medical expenses
Includes examinations, treatments and rehabilitation.**
Lost wages
Gives employees time to recover from an injury before returning to work.
Retraining
Helps employees who need to learn skills and enter a new field after injury.
Permanent injury
Provides benefits for employees who can no longer work due to injury.
Employers liability
Helps protect your business if an employee files a lawsuit for your negligence causing illness or injury.
Survivor benefits
Supports families by helping to cover funeral costs and income replacement.
What is Workers’ Compensation insurance?
Workers’ comp is required business insurance in most states for businesses with employees. Even if it’s not required in your state, it can help cover some of the costs if an employee is hurt on the job or suffers a work-related illness.
Workers’ comp can help protect business owners from significant financial losses, including lawsuits and expenses related to medical costs, lost wages while employees recover, some on-the-job retaining, and costs associated with permanent injury and death.
Without insurance, the employer could be responsible for all related costs, which could add up to tens of thousands of dollars.
How much does Workers’ Comp insurance cost?
Workers compensation insurance policies can cost as little as $14/month for some low-risk businesses.
Several factors influence the price you’ll pay for insurance, including:
- Your industry
- Your number of employees
- The size of your business
- Where you do business
- Your business needs and how much coverage you choose
- Policy limits
How to get Workers’ Comp insurance
Start a free online quote
In about 10 minutes you’ll see the exact price you’ll pay for workers’ compensation insurance online.
Customize your coverage
Adjust your policy limits and deductibles to pick the right coverage at the right price.
Buy 100% online
Your coverage is effective the next day after payment. And your certificate of insurance is ready at no extra cost.
Who needs Workers’ Comp insurance coverage?
Learn more about Workers’ Comp insurance:
Workers’ compensation can help cover expenses for medical care, lost wages and other costs after a workplace injury or work-related illness. This coverage is sometimes called workman’s compensation insurance or workman’s comp.
Is Workers’ Comp insurance required by law?
Business owners in most states are legally required to have workers’ compensation coverage if they have employees.
Even when it’s not required, many business owners buy coverage for financial protection if an employee experiences a work-related injury or illness. Workers’ comp can also help protect business owners themselves if they add business owner’s coverage to their policy.
Workers’ comp may also be required to get a professional license.
How do I make a Workers’ Compensation insurance claim?
You can file a claim anytime online or in the NEXT app.
You’ll be asked to share the details of what happened and to provide relevant photos and documentation. We strive to make claims decisions as quickly as possible so that you can get back to work.
I'm the owner of the company. Am I covered by my Workers’ Comp policy if I'm hurt on the job?
Injuries to business owners can be covered by optional business owners’ coverage for workers’ comp.
Does Workers’ Compensation cover business interruption?
Workers’ compensation does not cover business interruption.
Business income interruption is a type of property insurance that covers the loss of income that a business suffers after an unexpected event, such as a fire or snow storm. It’s included in NEXT’s commercial property insurance coverage.
Does Workers’ Compensation cover subcontractors?
Workers’ compensation policies generally do not cover subcontractors because they’re not your employees.
However, in some states for some industries, subcontractors may be classified as your employees if they don't carry their own workers compensation. In that case, you must report their payroll as your employees.
What’s the difference between Workers’ Compensation and disability insurance?
Workers’ compensation provides financial help for injuries that happen at work or work-related illnesses.
Disability insurance usually covers injuries that happen outside of work.
It’s the employer’s responsibility to pay for workers’ compensation insurance, and it’s usually required by law.
Disability insurance is typically optional and costs are often shared between the employer and employee.
Learn more about the differences between workers’ compensation and disability insurance.
Does Workers’ Compensation pay disability benefits?
Workers’ comp benefits are separate and distinct from disability benefits.
If a work injury results in a permanent injury that renders an employee unable to return to work, workers’ comp can pay some permanent injury benefits, but it varies by state.
A workers’ compensation doctor must verify and rate your disability, and verify that your disability was caused by work.
Is Workers’ Compensation different from health insurance?
Workers’ comp can help with medical expenses and lost wages after an accident or illness on the job.
Health insurance usually covers personal injuries and ailments that happen outside of work.
Learn more about the differences between workers’ comp and health insurance.
When will I get my policy and proof of insurance?
It takes about 10 minutes to get a quote and buy coverage online. Your policy kicks in the next day and you’ll have full access to policy documents and your certificate of insurance (COI) at no extra charge.
You can access your documents and COI 24/7 online or in the NEXT app for iPhone or Android.
Compare Workers’ Compensation insurance
Learn how workers’ comp stacks up against other insurance coverages:
Get customized insurance wherever you do business
Learn more about workers’ compensation insurance options in the state where you work.
NEXT Insurance reviews
General Insurance & Worker's Comp
The service I've received from Next is great. I am looking forward them adding automobile policies to the roster.
Samuel B.
Very easy to do business with!
Next is very easy to do business with. The sign up was easy, the payment system is fast and easy and they are reasonably priced.
Dainer B.
Company insurance
They got me several quotes within three minutes and I picked one and had my policy in place in the next few minutes I will always use them for all my insurance needs!
Dana R.
Easy fast coverage
It was easy to sign up. The price was right. I was able to email a certificate within minutes.
Russ D.
GL and workers comp
Fast reliable company with very competitive pricing
Nicholas S.
Thank you for making it
Thank you for making it so easy
angelo r.
Easy as pie
They had coverage for me in less than 15 mins. East to do. Awesome
Richard R.
Peace of mind
easy to apply and and customer service is very responsive
Darrell W.
Excellent
Good service, great prices for the coverages.
Chad S.
Simple and fair
Professional and easy
michael p.
