CERITY - ALL ONLINE

Get essential workers’ comp insurance for as low as $25/month from Cerity. Pay monthly like a subscription and cancel any time. Finally, insurance made just for small biz. DO I NEED WORKERS’ COMP INSURANCE FOR REMOTE Do I Need Workers’ Comp Insurance for Remote Workers? February 9, 2021. In short, yes. As the world has quickly changed in light of the rise of Covid-19, most of us are working from home and this is one of the top questions we’re hearing from our policyholders. Remote and telecommuting workers are typically covered under workers WORKERS’ COMP DEADLINES BY STATE Minnesota. 180 days. 3 years after employer’s report to the Department of Labor and Industry, not to exceed 6 years after injury. Mississippi. 30 days. 2 years. Missouri. 30 days. 2 years, 3 years if employer does not file a timely report of injury with the Division of Workers’ Compensation. STATE-BY-STATE WORKERS’ COMP EXEMPTIONS Businesses with one or more employees must obtain coverage. Exemptions include: Certain casual maintenance or repair work performed for a business for under $2,000 per calendar year. Licensed real estate agents and brokers working on commission. Any person who WHAT IS A WORKERS’ COMP GHOST POLICY? A workers’ comp ghost policy is an affordable type of workers’ compensation insurance specifically designed for independent contractors who don’t have any employees but require proof of workers’ comp coverage for their state’s legal requirements or

client requests.

WORKERS’ COMPENSATION COST PER EMPLOYEE |CERITY The most accurate way to find out the cost for an employee is to contact your workers’ compensation provider directly. At Cerity, we make it as easy as possible for you to purchase insurance that protects your business. Simply go to our free worker’s comp quote tool. Tell us a little bit about your business to get an affordable

rate, and

2021 WORKERS’ COMP RATES BY STATE 2021 Workers’ compensation insurance rates will vary depending on a number of different factors, including your company’s payroll, employee job classifications, and claims history. However, a major factor involved with calculating workers’ comp rates is what state you operate your business in. Below, we’ve put together a list of

average

DIFFERENCES BETWEEN INDEPENDENT CONTRACTOR AND However, rather than enter into a direct contract with a business or individual to complete a task, subcontractors work for the individual or entity contracted to do a job. So that might mean a subcontractor is paid by an independent contractor to design graphics for the web app that the independent contractor is building for a company. WHY YOU NEED TO FILE WORKERS' COMP CLAIMS QUICKLY Here’s why small business owners should prioritize submitting each claim right away: 1. You may save money on claims costs. The NCCI reported that claims costs can increase by as much as 51% as a result of delayed reporting. Employers often procrastinate on injuries that seem insignificant, but those small injuries can get worse over time EMPLOYER’S RESPONSIBILITIES AFTER AN EMPLOYEE IS INJURED Below is an outline of steps for employers to take in the unfortunate event of a staff injury at work. 1. Address the Injury and Safety Issues. When an accident happens, the first step is to determine the level of emergency. If the injured person requires immediate medical assistance, you should call 911. In the case that an injury is less

CERITY - ALL ONLINE

Get essential workers’ comp insurance for as low as $25/month from Cerity. Pay monthly like a subscription and cancel any time. Finally, insurance made just for small biz. DO I NEED WORKERS’ COMP INSURANCE FOR REMOTE Do I Need Workers’ Comp Insurance for Remote Workers? February 9, 2021. In short, yes. As the world has quickly changed in light of the rise of Covid-19, most of us are working from home and this is one of the top questions we’re hearing from our policyholders. Remote and telecommuting workers are typically covered under workers WORKERS’ COMP DEADLINES BY STATE Minnesota. 180 days. 3 years after employer’s report to the Department of Labor and Industry, not to exceed 6 years after injury. Mississippi. 30 days. 2 years. Missouri. 30 days. 2 years, 3 years if employer does not file a timely report of injury with the Division of Workers’ Compensation. STATE-BY-STATE WORKERS’ COMP EXEMPTIONS Businesses with one or more employees must obtain coverage. Exemptions include: Certain casual maintenance or repair work performed for a business for under $2,000 per calendar year. Licensed real estate agents and brokers working on commission. Any person who WHAT IS A WORKERS’ COMP GHOST POLICY? A workers’ comp ghost policy is an affordable type of workers’ compensation insurance specifically designed for independent contractors who don’t have any employees but require proof of workers’ comp coverage for their state’s legal requirements or

client requests.

WORKERS’ COMPENSATION COST PER EMPLOYEE |CERITY The most accurate way to find out the cost for an employee is to contact your workers’ compensation provider directly. At Cerity, we make it as easy as possible for you to purchase insurance that protects your business. Simply go to our free worker’s comp quote tool. Tell us a little bit about your business to get an affordable

rate, and

2021 WORKERS’ COMP RATES BY STATE 2021 Workers’ compensation insurance rates will vary depending on a number of different factors, including your company’s payroll, employee job classifications, and claims history. However, a major factor involved with calculating workers’ comp rates is what state you operate your business in. Below, we’ve put together a list of

average

DIFFERENCES BETWEEN INDEPENDENT CONTRACTOR AND However, rather than enter into a direct contract with a business or individual to complete a task, subcontractors work for the individual or entity contracted to do a job. So that might mean a subcontractor is paid by an independent contractor to design graphics for the web app that the independent contractor is building for a company. WHY YOU NEED TO FILE WORKERS' COMP CLAIMS QUICKLY Here’s why small business owners should prioritize submitting each claim right away: 1. You may save money on claims costs. The NCCI reported that claims costs can increase by as much as 51% as a result of delayed reporting. Employers often procrastinate on injuries that seem insignificant, but those small injuries can get worse over time EMPLOYER’S RESPONSIBILITIES AFTER AN EMPLOYEE IS INJURED Below is an outline of steps for employers to take in the unfortunate event of a staff injury at work. 1. Address the Injury and Safety Issues. When an accident happens, the first step is to determine the level of emergency. If the injured person requires immediate medical assistance, you should call 911. In the case that an injury is less WHAT IS PAY-AS-YOU-GO (PAYGO) WORKERS' COMPENSATION? Pay-as-you-go (or PayGo™) workers’ comp insurance has been rapidly growing in popularity with small to medium sized businesses.But it is the current business climate, and all of the uncertainty it has brought, that best demonstrates just why this flexible system has become such an important choice for smart businesses. GET WORKERS COMPENSATION INSURANCE EASILY ONLINE FOR FOOD Visit Cerity to easily purchase a workers' compensation insurance policy in less than 5 minutes. We cover hundreds of industries, including Food Trucks. Precise quotes and reliable coverage, in just a

few steps.

2021 WORKERS’ COMP CLAIM PROCESS Understanding the Workers’ Compensation Claims Process in 2021. February 5, 2021. Workers’ compensation is an insurance policy that is beneficial to both employees and their employers. Through workers’ compensation, an employee who was injured on the job can receive benefits to help cover expenses such as lost wages, medical

costs, and more.

WORKERS’ COMP INSURANCE FOR PERSONAL TRAINER At Cerity, we aim to make the workers’ comp insurance buying process simple and straightforward. Powered by proprietary tools and new technology, our online quote tool offers you a free, quick workers’ compensation insurance quote for your personal training business without tedious phone calls and paperwork. Get your free online quote

today.

5 TIPS TO PROTECT YOUR CLEANING BUSINESS FROM WORKERS 4. Stay Industry Compliant. One key way to protect your cleaning business from liability issues is to ensure you’re compliant with industry regulations and standards set by experts. The more in line you are with these kinds of guidelines, the more your team is protected. For example, OSHA ( Occupational Safety and Health Administration) sets GET WORKERS COMPENSATION INSURANCE EASILY ONLINE IN Visit Cerity to easily purchase a workers' compensation insurance policy in less than 5 minutes in California. Precise quotes and reliable coverage, all online. WHY YOU NEED TO FILE WORKERS' COMP CLAIMS QUICKLY Here’s why small business owners should prioritize submitting each claim right away: 1. You may save money on claims costs. The NCCI reported that claims costs can increase by as much as 51% as a result of delayed reporting. Employers often procrastinate on injuries that seem insignificant, but those small injuries can get worse over time WHO QUALIFIES FOR WORKERS' COMP EXEMPTIONS? Who Qualifies for Workers’ Comp Exemptions? March 20, 2021. Workers’ compensation is a type of business insurance that is required by law in many US states. This insurance covers the cost of medical expenses, lost wages, and potential legal fees associated with an on-the-job injury or illness. Although the law protects the

majority of

WORKERS' COMP INSURANCE FOR FLORIDA BUSINESSES Florida law requires all business owners to purchase workers’ comp insurance coverage (with a few exceptions). Under a workers’ comp policy, employees are compensated for injuries that occur in the workplace, regardless of fault. This insurance coverage helps keep business owners immune from some injury lawsuits by employees. HOW WORKMANS’ COMP INSURANCE IMPACTS EMPLOYERS Workers’ compensation insurance is designed to help both your business and your employees in the event of a workplace injury. Workmans’ comp insurance protects your business from having to pay out of pocket for an injured employee’s medical, disability, and rehabilitation costs. But aside from these costs, there are still many

ways that a

CERITY - ALL ONLINE

Get essential workers’ comp insurance for as low as $25/month from Cerity. Pay monthly like a subscription and cancel any time. Finally, insurance made just for small biz. DO I NEED WORKERS’ COMP INSURANCE FOR REMOTE Do I Need Workers’ Comp Insurance for Remote Workers? February 9, 2021. In short, yes. As the world has quickly changed in light of the rise of Covid-19, most of us are working from home and this is one of the top questions we’re hearing from our policyholders. Remote and telecommuting workers are typically covered under workers STATE-BY-STATE WORKERS’ COMP EXEMPTIONS Businesses with one or more employees must obtain coverage. Exemptions include: Certain casual maintenance or repair work performed for a business for under $2,000 per calendar year. Licensed real estate agents and brokers working on commission. Any person who 2021 WORKERS’ COMP RATES BY STATE 2021 Workers’ compensation insurance rates will vary depending on a number of different factors, including your company’s payroll, employee job classifications, and claims history. However, a major factor involved with calculating workers’ comp rates is what state you operate your business in. Below, we’ve put together a list of

average

2021 WORKERS’ COMP CLAIM PROCESS Understanding the Workers’ Compensation Claims Process in 2021. February 5, 2021. Workers’ compensation is an insurance policy that is beneficial to both employees and their employers. Through workers’ compensation, an employee who was injured on the job can receive benefits to help cover expenses such as lost wages, medical

costs, and more.

STEPS TO TAKE AFTER A WORKPLACE INJURY OCCURS Cerity maintains a 24/7 hotline at 1 844 423-7489 for our members to discuss non-emergent injuries with a registered nurse. This service is free to use and can help reduce overall claim costs by triaging the injury and guiding your employee to the right level of care. 2. Report the injury ASAP. As soon as your employee is safe and being cared WHAT IS A WORKERS’ COMP GHOST POLICY? A workers’ comp ghost policy is an affordable type of workers’ compensation insurance specifically designed for independent contractors who don’t have any employees but require proof of workers’ comp coverage for their state’s legal requirements or

client requests.

CERITY - ALL ONLINE

Get essential workers’ comp insurance for as low as $25/month from Cerity. Pay monthly like a subscription and cancel any time. Finally, insurance made just for small biz. DO I NEED WORKERS’ COMP INSURANCE FOR REMOTE Do I Need Workers’ Comp Insurance for Remote Workers? February 9, 2021. In short, yes. As the world has quickly changed in light of the rise of Covid-19, most of us are working from home and this is one of the top questions we’re hearing from our policyholders. Remote and telecommuting workers are typically covered under workers STATE-BY-STATE WORKERS’ COMP EXEMPTIONS Businesses with one or more employees must obtain coverage. Exemptions include: Certain casual maintenance or repair work performed for a business for under $2,000 per calendar year. Licensed real estate agents and brokers working on commission. Any person who 2021 WORKERS’ COMP RATES BY STATE 2021 Workers’ compensation insurance rates will vary depending on a number of different factors, including your company’s payroll, employee job classifications, and claims history. However, a major factor involved with calculating workers’ comp rates is what state you operate your business in. Below, we’ve put together a list of

average

2021 WORKERS’ COMP CLAIM PROCESS Understanding the Workers’ Compensation Claims Process in 2021. February 5, 2021. Workers’ compensation is an insurance policy that is beneficial to both employees and their employers. Through workers’ compensation, an employee who was injured on the job can receive benefits to help cover expenses such as lost wages, medical

costs, and more.

STEPS TO TAKE AFTER A WORKPLACE INJURY OCCURS Cerity maintains a 24/7 hotline at 1 844 423-7489 for our members to discuss non-emergent injuries with a registered nurse. This service is free to use and can help reduce overall claim costs by triaging the injury and guiding your employee to the right level of care. 2. Report the injury ASAP. As soon as your employee is safe and being cared WHAT IS A WORKERS’ COMP GHOST POLICY? A workers’ comp ghost policy is an affordable type of workers’ compensation insurance specifically designed for independent contractors who don’t have any employees but require proof of workers’ comp coverage for their state’s legal requirements or

client requests.

WHY YOU NEED TO FILE WORKERS' COMP CLAIMS QUICKLY Here’s why small business owners should prioritize submitting each claim right away: 1. You may save money on claims costs. The NCCI reported that claims costs can increase by as much as 51% as a result of delayed reporting. Employers often procrastinate on injuries that seem insignificant, but those small injuries can get worse over time DIFFERENCES BETWEEN INDEPENDENT CONTRACTOR AND However, rather than enter into a direct contract with a business or individual to complete a task, subcontractors work for the individual or entity contracted to do a job. So that might mean a subcontractor is paid by an independent contractor to design graphics for the web app that the independent contractor is building for a company. HOW WORKMANS’ COMP INSURANCE IMPACTS EMPLOYERS Workers’ compensation insurance is designed to help both your business and your employees in the event of a workplace injury. Workmans’ comp insurance protects your business from having to pay out of pocket for an injured employee’s medical, disability, and rehabilitation costs. But aside from these costs, there are still many

ways that a

WHAT IS PAY-AS-YOU-GO (PAYGO) WORKERS' COMPENSATION? Pay-as-you-go (or PayGo™) workers’ comp insurance has been rapidly growing in popularity with small to medium sized businesses.But it is the current business climate, and all of the uncertainty it has brought, that best demonstrates just why this flexible system has become such an important choice for smart businesses. WORKERS’ COMPENSATION COST PER EMPLOYEE |CERITY The most accurate way to find out the cost for an employee is to contact your workers’ compensation provider directly. At Cerity, we make it as easy as possible for you to purchase insurance that protects your business. Simply go to our free worker’s comp quote tool. Tell us a little bit about your business to get an affordable

rate, and

MEET TEAM CERITY

We are going to completely re-invent business insurance for the modern age, and we plan to have a great time in the process. Cerity is headquartered in Austin, TX, just one block from the state capitol. Our engineering team comes from a wide background and are fluent in Java, SQL, PostgreSQL, Node, Angular, Wordpress, GIFs, memes, & more. WORKERS' COMP INSURANCE FOR INDEPENDENT CONTRACTORS Workers’ compensation protects independent contractors so they aren’t sunk by medical bills and loss of income that can result from getting hurt on an assignment. Most states require businesses to carry workers’ compensation insurance. Small businesses can learn more about their responsibilities and options for workers’ compensation

here.

WHAT IS WORKERS' COMPENSATION INSURANCE What is Workers' Compensation Insurance? Workers’ compensation is a form of business insurance which provides state required benefits to employees injured in the course and scope of employment, including wage replacement and medical benefits. It also protects your business from liabilities resulting from injuries arising in the workplace. WORKERS’ COMP DEADLINES BY STATE Minnesota. 180 days. 3 years after employer’s report to the Department of Labor and Industry, not to exceed 6 years after injury. Mississippi. 30 days. 2 years. Missouri. 30 days. 2 years, 3 years if employer does not file a timely report of injury with the Division of Workers’ Compensation. STEPS TO TAKE AFTER A WORKPLACE INJURY OCCURS Cerity maintains a 24/7 hotline at 1 844 423-7489 for our members to discuss non-emergent injuries with a registered nurse. This service is free to use and can help reduce overall claim costs by triaging the injury and guiding your employee to the right level of care. 2. Report the injury ASAP. As soon as your employee is safe and being cared

FAQ | CERITY

About Cerity. How can I contact Cerity? If you are an existing member, you can visit our member portal . Cerity member services can be contacted via phone at 1-844-423-7489 and live chat during standard working hours Monday-Friday CST. You can also email us here. WORKERS' COMP INSURANCE FOR THERAPISTS Workers’ comp insurance provides liability coverage for your therapy practice, which will protect your business in the event that an employee sues due to a workplace injury. With workers’ compensation insurance for your therapy practice, you will also get liability coverage related to legal fees. This type of business insurance helps

cover

EMPLOYER’S RESPONSIBILITIES AFTER AN EMPLOYEE IS INJURED Below is an outline of steps for employers to take in the unfortunate event of a staff injury at work. 1. Address the Injury and Safety Issues. When an accident happens, the first step is to determine the level of emergency. If the injured person requires immediate medical assistance, you should call 911. In the case that an injury is less

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* Get Online Quote/Policy SAVE BIG ON WORKERS’ COMP TODAY You’re paying WAY TOO MUCH for workers’ comp insurance. With no commissions and no upfront costs, we can save your business big money

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Focus on growing your business while we focus on protecting it. Cerity has a 5 star rating and is backed by over 100 years of experience. Get a free workers’ comp quote in 3 minutes DON’T JUST TAKE OUR WORD FOR IT. Cerity's customer service was great! I got my business covered quickly and at a much better rate than my last insurance company.

Sarah Venable

Excellent customer service and affordable coverage. Highly recommend!

Jacquelyn Beads

Fantastic company. I just won a new big client that required I get workers' comp to land the project. Cerity got me covered quickly and at a surprisingly affordable price!

Gregory Melon

It was quick, easy and hassle-free to get the online quote and buy the policy online. At one point, I had a question and their respond was

immediate.

Serene ZiCornell

Cerity's customer service was great! I got my business covered quickly and at a much better rate than my last insurance company.

Sarah Venable

Excellent customer service and affordable coverage. Highly recommend!

Jacquelyn Beads

Fantastic company. I just won a new big client that required I get workers' comp to land the project. Cerity got me covered quickly and at a surprisingly affordable price!

Gregory Melon

It was quick, easy and hassle-free to get the online quote and buy the policy online. At one point, I had a question and their respond was

immediate.

Serene ZiCornell

Cerity's customer service was great! I got my business covered quickly and at a much better rate than my last insurance company.

Sarah Venable

Excellent customer service and affordable coverage. Highly recommend!

Jacquelyn Beads

‹

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ARE YOU OVERPAYING FOR WORKERS’ COMP? GET YOUR QUOTE NOW! * No fees for policy maintenance * No fees to cancel before policy starts * No fees to compare our rate to current rate * No fees to help you switch today and start saving tomorrow Get a free workers’ comp quote in 3 minutes Why does your business need workers' comp insurance? None of us go about our work days expecting the worst to happen, but occasional accidents are inevitable. IN FACT, THE NATIONAL SAFETY COUNCIL REPORTS THAT WORKPLACE ACCIDENTS HAPPEN EVERY 7 SECONDS. When employers buy workers’ comp insurance

that is simple,

straightforward, and comprehensive, they drastically limit the ramifications of injuries and illnesses that occur within the course

of the work.

Worried about the cost of workers’ comp coverage? Having workers’ compensation insurance can pay for itself in the event that an employee is injured on the job, because workers’ comp policy premiums are typically significantly lower than the costs associated with covering medical expenses, lost wages, and other work injury-related expenses. While the laws vary between states, most states require all employers, including small business owners, to have workers’ compensation insurance. Workers’ comp insurance covers all employees, even in states where employers are not required to have workers’ comp insurance because most employers still choose to obtain it to protect their business. Workers’ comp insurance can protect all kinds of businesses including:

accountants

, bars

, consultants

, fitness

, healthcare

, restaurants

, small business

, therapists

, architects

, home-based

businesses

, independent

contractors

, lawyers

, LLCs

, massage businesses

, nail salons

, personal

trainers

, pet

sitting businesses

, photographers

, cosmetology

, engineering

, estheticians

, event planners

, beauty

, catering

, cleaning

, food and beverage

, medical

, offices

, retail

, and services

.

We currently provide workers’ comp insurance to business owners in 46 states, including:

Alabama , Alaska

, Arizona

, Arkansas

, California

, Colorado

, Connecticut

, Delaware

, Florida

, Georgia

, Hawaii

, Idaho

, Illinois

, Indiana

, Iowa

, Kansas

, Kentucky

, Lousiana

, Maine

, Maryland

, Massachusetts

, Michigan

, Minnesota

, Mississippi

, Montana

, Nebraska

, Nevada

, New Hampshire

, New Jersey

, New Mexico

, New York

, North Carolina

, Oklahoma

, Oregon

, Pennsylvania

, Rhode Island

, South Carolina

, South Dakota

, Tennessee

, Texas

, Utah

, Vermont

, Virginia

, Washington D.C.

, West Virginia

, Wisconsin

.

Read more about the ins and outs of workers’ comp insurance on our blog post titled What is workers’ comp insurance?

in

our Learning Center. WORKERS' COMP INSURANCE * Workers’ Comp Insurance

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©2021 Cerity Services, Inc. The information provided is general in nature and is not intended as legal advice. Cerity Services and its affiliates will not be responsible for any actions taken based on the information contained herein. If you have legal questions or need legal advice, please consult an attorney. Cerity Services, Inc. is a licensed insurance producer offering workers' compensation insurance through Cerity Insurance Company and Employers Insurance Company of Nevada. WORKERS' COMP INSURANCE * Workers’ Comp Insurance

* Who We Cover

* Why Cerity

HELPFUL RESOURCES

* FAQ

* Small Business

* Workplace Safety

* Injured Worker

* Member Login

ADDITIONAL LINKS

* Terms of Service

* Privacy Statement

* Fraud Notice

* Contact Us

* Site Map

STAY IN THE KNOW

Email Address

Email address

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service

apply.

©2021 Cerity Services, Inc. The information provided is general in nature and is not intended as legal advice. Cerity Services and its affiliates will not be responsible for any actions taken based on the information contained herein. If you have legal questions or need legal advice, please consult an attorney. Cerity Services, Inc. is a licensed insurance producer offering workers' compensation insurance through Cerity Insurance Company and Employers Insurance Company of Nevada.