Where To Buy Workers Compensation Insurance [2026]

If your business is in a high-risk industry (like roofing or logging) and private carriers reject your application, you can apply for the . This is a state-mandated program that ensures every employer can get coverage, though it is usually the most expensive option. Key Documentation

Once you buy a policy, you will receive a . You will often need to provide this proof of coverage to clients, contractors, or vendors before starting a project. Workers' Compensation Insurance - Progressive Commercial where to buy workers compensation insurance

: States like California , New York , and Texas offer a state-run fund that competes with private insurers. This is often a safety net for high-risk businesses that private companies won't cover. 3. Assigned Risk Pools If your business is in a high-risk industry

: In North Dakota , Ohio , Washington , and Wyoming , you must buy insurance through the state-operated fund. Private insurance is not allowed. You will often need to provide this proof