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Get the Workers’ Compensation Insurance That Your Business Needs

Carrying insurance for workers’ compensation claims is vital to employees and your small business. biBerk helps owners choose the right workers’ compensation insurance to fulfill state and business requirements without extra costs and hassles. And as your business grows, your workers’ comp coverage can too, with our other insurance products designed to protect small businesses like yours. It’s reassuring to know we can address all the risks you face, and that if you need assistance of any kind, our experts are just a phone call away! Plus, our small business insurance customers have access to low down payments—all available through biBerk.com.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Determine Your Workers’ Comp Insurance Cost With an Online Quote

Looking to budget for your insurance and wondering what that expense will be? The best way to understand your workers’ comp insurance cost is to get an online quote. In just a few minutes spent online or on the phone with one of our insurance experts, you can get a workers’ comp insurance quote and be ready to purchase workers’ comp coverage that will provide financial protection and peace of mind.

Does My Business Need Workers’ Compensation Insurance?

It’s essential for business owners and HR reps to know that if your company has employees, you should buy workers' compensation insurance. Most states require it if you have even one employee or one subcontractor. If you don’t have coverage, you face state fines and penalties—even if you never file a claim. You could also get stuck with unexpected costs you have to pay out of your own pocket.

Workers’ comp insurance coverage gives your employees and their families peace of mind knowing they won’t have to pay for medical treatment or other injury-related expenses.

Find your workers' comp insurance coverage options.

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Does Workers’ Compensation Insurance Cover Employees Who Contract COVID-19?

It can, if they contract the disease while at work. Workers’ compensation insurance is designed to address work-related injuries and illnesses. For example, if a nurse treating someone with COVID-19 soon after develops the illness, this might be covered by workers’ comp insurance. Some states may help cover COVID-19-related costs as well, so it’s important to do your research. 

What is Workers’ Compensation Insurance?

Workers’ compensation insurance—you might also hear it called “workers’ comp” or “workman’s compensation insurance”—is an often-mandatory type of insurance that protects both your employees and your company if an employee experiences an injury or disease while at work, including strains, trip-and-fall accidents, or accidental death. What are the benefits of having this coverage? Here are just a few:

construction workers

Fewer High Out-of-Pocket Business Expenses


When you buy workers’ comp online from biBerk, you’re shielded from the high costs of workplace injuries.

coworkers collaborating

Protection From Lawsuits


Workers’ compensation insurance includes employer liability. It protects your business if an employee should sue for certain reasons outside of workers' compensation claims.

bike shop owner

Compliance With State Laws


Workers’ comp insurance helps companies avoid fines and penalties charged by the state for not having proper insurance. For example, in California your fine can be up to $100,000.

Determining the Cost of Workers’ Comp Insurance Coverage

The average cost of workers’ compensation insurance per $100 in wages ranges from $.75 in Texas to $2.74 in Alaska. Workers’ comp insurance premiums are calculated based on the gross annual payroll you pay to employees. The more payroll expenses you have, the higher your workers’ comp insurance premiums. Workers’ comp insurance premiums are also influenced by your claims history, the requirements of your employees’ roles, the type of business you’re in, and state laws.

Boutique owner happy to have insurance

How do I Save Money on My Workers’ Comp Policy?

Our direct-to-you model allows us to provide worker compensation insurance at up to 20% less than other companies.

Understand Who Needs to be Covered

Many states require coverage for employees, but not for business owners or officers. Buying a policy means your employees are covered. However, coverage for business owners or officers is typically optional. In addition, if you use subcontractors, you have to pay for their workers' compensation insurance unless they have their own. You can prove that they have their own coverage by collecting their Workers' Compensation Certificates of Insurance.

Manage Your Risks

Create a safe working environment and also facilitate safety and employee training. Your claims history can affect pricing, so a safe business means paying less money over time. Check out biBERK's Loss Control resources to learn more.

Add a Small Deductible

You will be billed for the deductible amount for each claim and non-payment will cancel the workman’s compensation insurance policy. Only available in some states.

Workers’ Compensation Insurance Frequently Asked Questions

If you’re a business owner, HR professional, or independent contractor looking to buy workers’ comp online to protect your company and employees, our licensed insurance experts are happy to assist you. But we’ve also provided answers to some of the workers’ compensation insurance questions we get asked most frequently below for your convenience.

  • How does workers’ comp work?


    Workers’ compensation insurance (often called workers’ comp) protects your employees and your business in the event that an employee is injured or contracts an illness at work. It helps pay for medical care and lost wages associated with work-related injuries. 

  • What does workers’ comp cover?


    Workers’ comp covers work-related illness or injury. Coverage usually includes medical expenses, medical care costs, death benefits, disability benefits, lawsuits, and compensation for lost wages.

  • What does workers’ compensation insurance not cover?


    Although workers’ compensation insurance provides broad coverage for work-related injuries and illness, there are some exclusions. For example, injuries outside of work aren’t covered, and commuting to and from work generally isn’t covered, though there may be coverage in some states. Also, intentional injuries and those occurring as a result of substance abuse or intoxication aren’t covered. 

  • How long does workers’ comp last?


    The length of your workers’ compensation depends on your individual case, your prognosis, and how long it takes for you to recover from your injury or illness.

  • Who pays for workers’ compensation?


    As a business owner, you pay for your company’s workers’ comp policy. The amount you pay for workers’ compensation insurance is based on your total payroll. We charge you a percentage of your payroll for your workers' comp insurance. The percentage, also called your rate, is based on a variety of factors including your industry and the nature of work your employees perform. 

  • What is a workers’ comp audit?


    A workers’ comp audit is an industry-standard process that helps us ensure you’re paying the right amount for your coverage. It involves sending us documents that we request so that we can evaluate them and you pay based on your actual employee payroll during the policy period. If the actual payroll is higher than you estimated when you purchased the policy, we send you a bill for the difference. If the actual payroll is lower, we send you a refund for the difference, subject to minimum premiums. 

  • Does my business need workers’ compensation insurance?


    Nearly all businesses with employees are required by law to have workers’ compensation insurance. Check out our States Served page for details. Our licensed insurance experts are also happy to answer your questions. If you’re a business owner or HR rep, you’ll be happy to learn that we process claims promptly and efficiently and that we offer risk management resources to help reduce the likelihood of claims.

  • What does workers’ compensation insurance cost?


    Per $100 in wages, the average cost of workers’ compensation insurance ranges from $.75 in Texas to $2.74 in Alaska. Premiums are calculated based on your company’s gross annual payroll. The higher your payroll, the higher your premiums.

  • Do I need workers’ comp insurance coverage as a self-employed business owner?


    As a self-employed business owner with no employees, you typically aren’t required by law to have workers’ comp insurance coverage. However, you may want or need coverage to protect your income or to meet the requirements of a business contract. biBerk is an excellent source for workers’ comp insurance because of our personalized support for contractors and freelancers and the flexibility of our coverage. It’s affordable financial protection you should consider.

  • Does biBerk provide workers’ comp insurance in my state?


    We offer this coverage in all states where we are allowed to, and many owners believe we’re the best workers’ comp insurance provider for small businesses. Four states require businesses to buy workers’ compensation insurance from a government entity, so we don’t sell policies there. Check out our coverage map for details.

  • Are seasonal workers covered by workers’ compensation insurance?


    This varies by location, but our insurance experts can help you understand the rules and requirements for your state.

  • If my business makes changes, how will it affect my workers’ comp insurance?


    You should tell us if you expand to a new state, get into new operations, or have a substantial increase in payroll. Our licensed insurance experts can tell you how your policy will be affected.

Get a Workers’ Comp Insurance Quote Today

Having insurance for workers’ compensation claims is crucial. Trust biBerk to provide the right workers’ compensation insurance for your small business.