Workers’ Compensation Insurance Calculator

See what businesses like yours can expect to pay for coverage

This tool can give you a basic estimate of your workers’ compensation insurance costs. If you like what you see, you can get a detailed quote tailored to your business.

Price calculator

Where is your business located?

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What is your industry?

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Coverage starting at


This is the minimum cost of workers’ comp coverage for your business type and location. To determine eligibility and a final price, start a detailed quote.

How to use our Workers’ Compensation calculator

We use AI-powered underwriting technology and our database to estimate how much you might pay for workers’ comp insurance.

How to use our calculator:

  1. Enter your location — Use the drop-down menu to select the state where you operate your business.
  2. Select the type of work you do — The second drop-down menu has a list of industries. Select the one that is the closest match to what your business does.

After entering this information, you should see an estimate of your monthly workers’ comp insurance expenses based on what other similar businesses in your area pay.

To get a quote tailored to your specific business operations, click the “Start Detailed Quote” button. 

We’ll ask you a few more details about your business, including:

  • Number of employees
  • Your business name and location
  • The type of work you do
  • Your expected revenue

When you’re done, you’ll see a detailed description of your workers’ compensation insurance quote with policy limits. You can also purchase coverage on the spot if you want.

Also, we’ll give some recommendations for other types of small business coverages that could be a good fit for your business, such as general liability or commercial property insurance.

What businesses typically pay for Workers’ Comp insurance

Workers’ Compensation can cost as little as $12.20 for some low-risk businesses. About 50% of NEXT customers pay between $25 and $150 per month.**

There are several factors that determine how much you’ll pay for workers’ comp, including:

  • How high you set your limits — If you want more coverage, you’ll usually pay a higher premium.
  • Your business operations — Low-risk businesses typically have lower insurance costs because they are less likely to have a serious insurance claim. Higher-risk jobs, such as construction contractors, have higher premiums because there is more potential for an injury or property damage.
  • Your insurance claims history — If you have previous claims, you might have to pay more for coverage with a new policy.

Learn more about workers’ compensation insurance costs.

How NEXT can help your business

NEXT helps you protect your business with fast, affordable and tailored business insurance.

Our mission is to make getting coverage as simple and painless as possible. Our process is 100% online, so you can get the insurance you need in one quick visit.

You can complete our application, see policy options, buy coverage and get your live certificate of insurance in less than 10 minutes.

Get your free instant quote today.

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Let’s find the coverage you need for your business
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
General Liability insurance
General Liability
Protect yourself from accidents that cause physical injury or damaged property.
Professional Liability or Error and Omissions Insurance
Professional Liability/E&O
Shield yourself from lawsuits that claim your work errors caused financial losses.
Workers' Compensation Insurance
Workers’ Compensation
Cover medical bills and lost wages if your employees have an accident at work.
Commercial Auto Insurance
Commercial Auto
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.
Tools & Equipment Insurance
Tools & Equipment
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.
Commercial Property Insurance
Commercial Property
Keep your building, inventory and equipment protected from fire or water damage.
Business Owner’s Policy Insurance
Business Owner’s Policy
Combine general liability and commercial property into one policy to protect your business.
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
** The cost data presented here are based on NEXT active customers in the U.S. who purchased general liability insurance over the previous 12 months. These data should not be considered a substitute for obtaining a quote specific to your business. These data were updated in November 2022.
What we cover
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of December 6, 2023. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.