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Workers' Compensation Insurance for Small Businesses & More

Name: Workers' Compensation Insurance for Small Businesses & More
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for all Small & Medium Sized Businesses

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Why do small businesses need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Accidents happen. Carrying workers compensation for your small business can help cover medical expenses, lost wages, death benefits, and legal costs in the event of an injured employee. With workers comp for SMB, you can give employees (and yourself) peace of mind when something goes wrong.

Common employee injuries

Slips, trips & falls
Sprains
Burns

Common types of Workers' Comp workers we can insure

Bike Shop

Cafe

Clothing Store

Delicatessen

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

Not sure how to get workers' comp insurance for your business? We can help. At Kickstand Insurance, we provide the best workers' comp insurance for small business owners who strive to create safe and comfortable work environments.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Small Businesses & More workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had a workers' comp policy, they do not need to pay anything towards the bills.

What will Workers' Comp Workers' Comp Insurance pay for?

Medical bills
Rehab and therapy expenses
Lost wages and disability benefits
Funeral cost

How much does Workers' Comp Insurance
for small businesses cost?

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Small Businesses & More

7380 - Delivery Drivers

8810 - Clerical Office Employees

8810 - Receptionist & Secretary

8810 - Cashier

8810 - Bookkeeper

8810 - Admin & Office Manager

8742 - Traveling Sales People

Don't see your business classification?
We're here to help. Call 866-338-8823.

Looking for Workers' Compensation Insurance for small businesses ?
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Helpful tips to save money

Choosing workers' comp insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
You will be expected to pay the difference at the end of the policy.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved.

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Workers' Comp Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Workers' Comp Workers’ Compensation Audit Checklist can help.

FAQ's on Workers' Comp for small businesses

How quickly can I get my certificate of insurance?

‍We usually issue certificates 24 hours after the policy is bound.
Let us know if you need it quicker and we will rush it.

State laws on Workers' Comp for small businesses

Workers' compensation is regulated at the state level, so rules and penalties vary by state.

For example, New Jersey requires coverage for any business with one employee. Florida, on the other hand, requires it for general businesses with four or more employees and construction companies with even one employee.

If you’re an employer, you should research the specific laws in your state to ensure you’re complying with workers' comp requirements.
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Choose your state from the dropdown to learn more.

Need other types of insurance for small businesses ?

Yes, we can help with that too!

Learn more about Workers' Comp Insurance

small business workers' comp insurance for injury

Small Business Workers' Comp Insurance - Kickstand Insurance

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for small businesses insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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Excellent 5 stars

Get Workers’ Compensation for your business today!

It’s time to get the coverage you need. Just complete our simple online form and we’ll get you a no-obligation quote and connect with one of our expert agents. It’s that simple!

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The Ultimate Guide to Workers' Comp Insurance

A Step-by-Step Handbook for Small Businesses - you don't want to skip this!

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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