Best Workers’ Compensation Insurance Companies

If you’re looking for assistance in finding the best workers’ compensation insurance companies, this article has the best companies to consider.

Best Workers’ Compensation Insurance Companies

As a business owner, it’s important to take responsibility for ensuring a safe working environment for your employees.

Injuries and accidents are inevitable, and without the right coverage, managing medical and legal costs alone can be overwhelming. This underscores the importance of having workers’ compensation insurance.

So, are you convinced to have one? Read through this article to discover the best companies that offer this policy.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance is a business insurance type that takes care of medical expenses and a portion of the lost income for employees. This policy comes into play when employees get injured or fall ill while performing their job duties.

For business owners, this insurance type provides financial protection and handles the costs associated with work-related injuries and illnesses.

10 Best Workers’ Compensation Insurance Companies

Skip the tedious research from various sources, as here we have provided useful details on the top companies you should consider.

However, don’t simply choose a company because it’s on the list of the best. Take the time to compare their coverage options and terms to figure out which one aligns best with your needs. Let’s get started.


If you work in the construction sector or as a contractor, consider getting a quote from Nationwide. They provide services for both small and large businesses, offering workers’ compensation insurance bundled with employment practice liability, business liability, and general liability coverage.

biBERK Insurance Services   

biBERK Insurance Services is an excellent choice for purchasing a policy, providing top-notch services to interested customers.

There, you can conveniently apply for or purchase a quote online from the comfort of your home within a few minutes.

Moreover, biBERK stands out for offering affordable options, distinguishing itself from other insurance companies.

GTM Payroll Services

GTM Payroll Services is highly regarded as an insurance company for this type of coverage. They provide excellent coverage for household employers, making them an ideal choice for those running household businesses with employees.

Additionally, GTM offers the convenience of an online client portal accessible at any time, and its services are available throughout the United States.

The Hartford

Medical providers or professionals can find a suitable policy at The Hartford. They offer pay-as-you-go billing services and provide needlestick protection.

However, it’s important to note that Hartford does not offer medical malpractice insurance, and not all users can purchase a quote online. However, once you secure a policy, you can start paying premiums and receive coverage.


CoverWallet is an excellent choice for obtaining workers’ compensation insurance, especially for micro-businesses.

While their fast online quote may not be accessible to everyone, once you purchase a policy, you instantly gain coverage. Additionally, their workers’ compensation insurance includes both general and professional liability coverage.


Progressive is the top insurance company for professional offices. If you work in a professional office setting, you can obtain the best workers’ compensation policy from Progressive.

Moreover, you have the flexibility to update your policy at any time, and there are additional business insurance policies available and accessible for you.


Travelers is among the top 10 workers’ compensation insurance companies that we recommend you consider.

They provide a broad range of coverage options for both businesses and individuals. In addition to workers’ compensation insurance, Travelers offers various other policy types that you can consider based on your needs.

AmTrust Financial

AmTrust Financial is another well-known property and casualty (P&C) insurance company catering to small businesses.

Whether you operate a retail store, beauty shop, wholesale store, or restaurant, or work as a doctor, dentist, or artisan contractor, you can utilize the workers’ compensation insurance offered by this exceptional company.


Chubb is another dependable option when seeking a quality workers’ compensation insurance policy. Regardless of the size of your business, Chubb provides comprehensive coverage, including excess coverage for companies that insure against predictable losses.

Liberty Mutual

Liberty Mutual is among the top 10 workers’ compensation insurance companies and is widely recognized in the United States. With over 800 offices in 30 countries globally, Liberty Mutual provides comprehensive coverage for work-related injuries, ensuring you won’t have to pay anything out of pocket.

How To Get the Best Policy

Identifying the best workers’ compensation insurance company is one aspect while securing a good quote is another important consideration.

Whether it’s your first time or you already have experience purchasing insurance, here are the steps you should follow to obtain a favorable quote for your business:

  • Find out the states’ requirements.
  • Work with an insurance agent.
  • Explore different insurance providers.
  • Reduce your risk if you want to lower your premium.

Once you have done the following and found a good company or provider, you can begin with the application process.