Workers’ compensation insurance

Pays for medical care and part of lost wages when an employee is hurt or gets sick because of their job.

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Benefits
Set by your state
Covers
Your employees

About five minutes. Your certificate is ready the day you buy.

What workers’ comp covers

  • Medical care

    Doctor visits, hospital stays and treatment for injuries and illnesses caused by work.

  • Lost wages

    Part of an employee’s pay while they recover and can’t work.

  • Rehabilitation

    Physical therapy and other care that helps an employee return to work.

  • Employer’s liability

    Usually included. Helps with legal costs if an employee sues over a work injury.

Why get it from Corgi

Most states require workers’ comp once you have employees. We made getting it the easy part.

Your certificate, the day you buy.

Download it, or send it to a landlord or client straight from your account.

  • 5 min

    to a price

    Tell us what you do and where you work, choose your limits and buy. All online, in one sitting.

  • 0 brokers

    between you and your underwriter

    Questions go straight to the people who write your policy.

  • 1 specialist

    for your whole claim

    One person handles it from the first call until it’s closed.

What a claim looks like.
For a business like yours.

See what can happen and how workers’ comp can help with the cost.

CaféKitchen and workstations
What could happen01 / 05

A line cook burns a hand on the flat-top.

Can be covered by Workers’ comp

Workers’ comp pays for the burn treatment and part of their wages while the hand heals, as your state’s rules set out.

Typical limitVaries by state

Choose your employer’s liability limit

Medical care and lost wages follow your state’s rules, with no limit to choose. The limit you choose covers lawsuits from employees and their families.

Employer’s liability

The most it pays for one lawsuit

One bad year

Example claims

  • A cook’s burn treatment and lost wages$24K

  • A back injury needs surgery and months off$95K

  • A worker’s family sues over a serious injury$600K

Insurance pays$219,000

You pay$500,000

Questions about
workers’ comp?

What does workers’ comp cost?

It depends on your payroll, the kind of work each employee does, your state and your history of workplace injuries. Your quote shows the real number in about five minutes, with nothing to sign until you’re ready.

Who usually needs workers’ comp?
  • Businesses with employees, including part-time staff in many states
  • Contractors whose clients ask for proof before a job
  • Owners who want to cover themselves, where their state allows it
Do I need workers’ comp with only one employee?

In many states, yes. Requirements depend on your state, your number of employees and your industry. Check your state’s rules before your first hire starts.

Does workers’ comp cover me as the owner?

Owners are often exempt, but many can choose to cover themselves. The rules depend on your state and how your business is set up.

How is the price calculated?

Mostly from your payroll and the job classification for each role. Riskier work costs more per $100 of payroll. Your quote shows the classifications used.

Get your workers’ comp price.

Add general liability or tools and equipment in the same quote.