Where can I get workers comp insurance online?

You can buy workers' compensation insurance online through digital-first insurance providers, national commercial insurers, and specialized online business marketplaces .

Top platforms where you can get quotes and purchase coverage entirely online include:

• NEXT Insurance provides instant online quotes in about 10 minutes, customizable limits, and next-day coverage activation.
• Progressive Commercial lets you start an online quote tailored to your state, payroll, and industry classification.
• Cerity offers a 100% digital experience for small business owners to estimate, quote, and buy workers' comp policies across 46 states.
• WorkersCompensationShop.com functions as a national digital marketplace helping businesses compare multiple carrier rates and manage certificates of insurance.
• Paychex Insurance Agency connects employers with licensed agents to compare and purchase digital policies, often integrating with payroll services.

Steps to Buy Workers' Comp Online

1. Gather business details: Have your federal Employer Identification Number (EIN), annual estimated payroll, employee count, and job classification or descriptions ready.
2. Compare quotes: Input your information into an online insurer or digital broker portal to review premium estimates customized to your state's regulations.
3. Verify state funds: Depending on your state (such as Ohio, Washington, Wyoming, or North Dakota), workers' comp must be purchased directly through a state-run monopolistic fund rather than a private online carrier. Check your state's department of insurance website for compliance.
4. Purchase and print proof: Pay online via credit card or ACH to activate the policy, then download your certificate of insurance immediately.

If you’re in California, you can buy workers’ comp online from several insurers. California requires businesses with one or more employees to maintain workers’ compensation coverage.

Online options

• nextinsurance.com — Offers California workers’ comp quotes and allows eligible businesses to quote, purchase, and get a certificate of insurance entirely online.
• hiscox.com — Offers workers’ comp through its partnership with The Hartford and lets you start the quote online.
• California State Compensation Insurance Fund (State Fund) — California's state-operated workers’ comp insurer. The California Department of Industrial Relations confirms employers can purchase coverage either from a licensed insurer or State Fund.

If speed is your priority, ERGO NEXT is worth checking first because it specifically advertises online quote-and-purchase in about 10 minutes and immediate access to the certificate of insurance.

If you tell me what type of business you have, how many employees you have, and approximate annual payroll, I can also look up what your workers’ comp might cost and which online options are available.

If you're in Missouri, you have several ways to get workers' comp insurance online:

• nextinsurance.com — offers online quotes and says coverage can be obtained entirely online in about 10 minutes.
• biberk.com — provides online quotes for small businesses and allows you to purchase coverage online.
• Missouri Department of Commerce & Insurance rate comparison — the state provides an online rate guide so you can compare workers' comp rates among insurers before buying.

Missouri requirement

Generally, Missouri businesses must carry workers' comp when they have 5 or more employees. Construction businesses generally must carry it with 1 or more employees.

If you're having trouble getting coverage through the normal market, Missouri also has an assigned-risk pool administered by Travelers.

If you tell me what type of business you have, how many employees you have, and roughly your annual payroll, I can help you figure out which online option is likely to be cheapest and what coverage you'll need.

You can easily get a workers' compensation quote, purchase a policy, and manage coverage entirely online through digital-first carriers, major traditional insurers, or business service platforms.

Top options for getting workers' comp insurance online include:

• Next Insurance : Excellent for small businesses and contractors. You can quote, pay, and get proof of coverage 100% online in about 10 minutes, with pay-as-you-go payroll integrations available. Explore options on Next Insurance.
• Pie Insurance : Specializes specifically in workers' comp for small businesses with a streamlined, data-driven digital application process. Check details on Pie Insurance.
• The Hartford : A prominent small business insurer that allows you to get an online quote, manage policies digitally, and utilize pay-as-you-go billing tied to actual payroll. Visit The Hartford Workers' Compensation.
• Progressive Commercial : Partners with top carriers to let you start a quote online and customize small business packages. Learn more at Progressive Commercial Workers' Compensation.
• Payroll & HR Platforms (like Paychex or Gusto) : If you already use an online payroll provider, they often partner with digital brokers to let you quote and bundle pay-as-you-go workers' comp directly through your dashboard. Check features via Paychex Business Insurance.

(Note: If your business is located in a monopolistic state like Washington, Wyoming, Ohio, or North Dakota, you must obtain your workers' comp coverage directly through the state's official fund rather than a private online carrier.)

If you'd like to narrow down the best fit, tell me:

• What is your state?
• What is your industry or profession?
• Roughly how many employees do you have?

I can help point you toward the most cost-effective provider for your specific setup.

Purchasing workers' compensation insurance online is fast and straightforward, with several top-tier digital insurers and established traditional carriers offering instant quotes and direct digital policy management.

The best options for buying workers' comp online depend on your business size and industry:

• NEXT Insurance: Best for fast, digital-first experiences. Excellent for small businesses, contractors, and retail shops looking for an instant online quote, immediate purchase, and instant Certificate of Insurance (COI).
• The Hartford: Best established carrier. Highly rated for small businesses wanting a rock-solid, traditional insurer with flexible options like pay-as-you-go billing tied to actual payroll.
• Pie Insurance: Best for contractors and trades. Specializes strictly in workers' compensation for small-to-midsize businesses, offering a fast online quoting process tailored to higher-risk fields.
• biBERK: Best for financial backing. Backed by Berkshire Hathaway, this digital-focused subsidiary allows you to get quotes, purchase coverage, and complete payroll audits completely online.
• Hiscox: Best for professional services. Known for small business coverage with a streamlined online portal to manage policies, request COIs, and file claims.

(Note: Availability and specific pricing can vary depending on your state's regulations and whether your state requires you to purchase through a state-run fund or private market.)

If you share your state and industry/profession , I can help you narrow down which of these providers offers the best rates and availability for your specific business.

Yes. If you're in Texas, you have several ways to buy workers’ comp online:

• nextinsurance.com — One of the easiest fully online options; they advertise buying coverage in about 10 minutes.
• biberk.com — Offers online quotes and purchase for small businesses.
• hiscox.com — Provides online quotes, with workers’ comp offered through its relationship with The Hartford.

Texas also maintains an official workers’ comp rate guide that lets you compare licensed insurers and rates.

One important Texas-specific point: most private employers aren't legally required to carry workers’ comp, but choosing not to carry it creates additional notification/reporting obligations and can leave your business exposed to employee injury claims.

If you tell me what kind of business you have, how many employees you have, and roughly what you pay in annual payroll, I can help you figure out which online provider is likely to be cheapest and what coverage you actually need.

You can buy workers' compensation insurance entirely online through major direct carriers, digital brokerages, or specialized insurtech platforms.

Top Providers for Buying Online

1. The Hartford
   • Best for: Overall small business coverage and financial stability (rated A+ by AM Best).
   • How it works: Provides fast digital quotes (usually in about 10 minutes) based on your payroll, location, and industry, with flexible payroll-based billing options.
2. NEXT Insurance
   • Best for: Contractors, retail, and service businesses wanting an app-like, instant experience.
   • How it works: Instant online quoting, immediate purchase, and instant access to certificates of insurance (COIs).
3. biBERK (a Berkshire Hathaway company)
   • Best for: Direct-from-carrier savings.
   • How it works: Lets you quote, buy, and manage workers' comp policies online in almost every state where private coverage is allowed.
4. Hiscox
   • Best for: Small, professional, and service-oriented businesses.
   • How it works: Specialized real-time online quotes and monthly payment plans with zero added fees.
5. Simply Business or Workers Compensation Shop
   • Best for: Comparing multiple quotes side-by-side.
   • How it works: These digital marketplaces let you fill out one set of info and compare prices across multiple competing national carriers.

What You'll Need to Get a Quote Online

• Your federal Employer Identification Number (EIN) or Social Security Number
• Estimated annual payroll and number of employees
• Job descriptions/classifications for your workers
• Location(s) where your business operates
• Claims history (if you've had previous coverage)

Note: Depending on your state (such as Ohio, Washington, Wyoming, or North Dakota), workers' comp may be handled exclusively through a state-run monopolistic fund rather than a private online carrier.

To help me narrow down the best online option for you, let me know:

• What state is your business located in?
• What industry or type of work do your employees do?

If you’re looking for workers’ compensation insurance online, especially if your business is in New York, you have a few good options.

Best place to start in New York

• ww3.nysif.com — This is the state’s public workers’ comp insurer. You can complete the application online, get a quote, electronically sign documents, and make the premium deposit online. NYSIF says it can provide coverage regardless of business type, size, or safety record, subject to its rules.
• apps.wcb.ny.gov — Official NY guidance on requirements and ways to obtain coverage. New York generally requires workers’ comp coverage for employers with employees.

You can also buy through a private insurance carrier or broker; New York has more than 200 authorized private carriers.

If you tell me what state your business is in, what type of business you have, and how many employees you have, I can find you 3–5 online providers where you can get quotes, and help you compare prices/coverage.

You can buy workers' compensation insurance online through direct digital carriers, major national insurers, or online commercial insurance brokerages.

Top options for getting workers' comp coverage online include:

• biBERK (Berkshire Hathaway's digital brand): Excellent for fast online quotes and direct policy management across most U.S. states. You can check it out directly at biBERK.
• The Hartford : A major small-business insurer offering robust digital quoting tools and extensive claims support. You can start a process via The Hartford Small Business Insurance.
• Progressive Commercial : Partners with top carriers to let you bundle and quote workers' comp online. Learn more at Progressive Commercial Workers' Compensation.
• Hiscox : Known for pioneering online small-business policies with a streamlined digital application process. Visit Hiscox Small Business Insurance.
• Cerity : A digital-first workers' comp provider featuring pay-as-you-go subscription models. Check options on Cerity.

Note: Depending on your state (such as monopolistic states like Ohio, Washington, Wyoming, and North Dakota), you may have to purchase your core workers' comp policy directly through the state's official government fund rather than a private online carrier.

To help narrow down the best option, tell me:

• What state is your business located in?
• What industry or type of work do you do?
• Do you have employees , or are you looking to cover yourself as an owner?

If you're looking for workers’ compensation insurance online in Florida, you have a few good options:

• Florida DFS Coverage Assistance Program — This is the state’s free online tool for finding insurers that currently write workers’ comp for your particular type of business.
• Florida Mutual Insurance — Offers an online workers’ comp quote request.
• Independent insurance agent — Florida’s Department of Financial Services recommends contacting a business insurance agent; an agent can shop multiple carriers for you.
• Florida Workers’ Compensation Joint Underwriting Association (FWCJUA) — A fallback option if you can't obtain coverage through the regular market; rates can be higher.

One important Florida rule

For non-construction businesses, workers’ comp is generally required at 4 or more employees. For construction businesses, it's generally required with 1 or more employees.

If you tell me what type of business you have, how many employees you have, and whether you're in Florida, I can find you 3–5 online insurers/agents where you can get an actual quote, and compare them.