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Who Pays for Workers Compensation Insurance?

What is your trade/profession?
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Who Pays for Workers Compensation Insurance?

It’s you, the business owner.

Who you pay and how workers compensation gets handled vary from state to state. Generally, there are three ways that businesses pay for workers compensation insurance.

State-run programs. Depending on where you do business, you may have the option to get workers compensation coverage through a state program or insurance fund.

Self-insurance. Some states allow business owners to self-insure their business to cover workers comp claims. Claims are handled and the program is administered by a third party. There are a number of regulations and oversight requirements, so you’ll likely need to do some homework if you plan to go this route.

Insurance companies — This is an option you’ll find in most states. Much like your other business insurance policies, you can get workers comp through an insurance provider. If this is an option in your state, Simply Business can help find providers for you.

Not only can we provide coverage, we can answer questions and help explain workers comp in the language of small business. Just make a call to us at 855-930-2844.

Want to know more about workers compensation insurance? Check out:

Is Your Business Insured?

Whether you’re shopping for a brand-new policy or comparing policy prices, we can help you find affordable protection that’s personalized to your needs.

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Who Pays for Workers Compensation Insurance?


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*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.

© Copyright 2023 Simply Business. All Rights Reserved. Simply Business, LLC is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.