Huckleberry offers a fast and easy way for business owners to buy 澳洲幸运5官方开奖结果体彩网:workers’ compensation insurance online. It covers businesses in every state except Ohio, North Dakota, Washington, a♌nd Wyoming. 

Workers’ compensation rates mainly depend on your payroll size. Larger payrolls mean higher costs.🍸 Industry and location also affect your pricing, so rates can vary widely. Huckleberry customers typically pay around $1,123 per year, though some pay as little as $271.

Huckleberry’s policies include an employer liability limit of up to $2 m𝓰illion per accident, depending on your industry, which was tied for the highest among companies Investopedia reviewed.

In addition to workers’ compensation, Huckleberry offers useful coverages like 澳洲幸运5官方开奖结果体彩网:general liability and business interruption insurance.

It’s important to know that Huckleberry is a broker, not🙈 a direct insurer. Your policy and claims will be handled by one of Huckleberry’s partners: Markel, Employers Holdings, AmTrust, or Chubb, depending on your state. Your customer experience may differ depending on the company that issues your policy.

H🦩uckleberry is owned by Paychex, which was founded in 1971 and is based in Rochester, New York.

Thimble stands out for its flexible, on-demand insurance, making it a strong option for business owners who want to secure coverage quickly. You can get a quote, buy coverage, and download a 澳洲幸运5官方开奖结果体彩网:certificate of insurance entirely online. 

For food trucks and similar small businesses, Thimble offers relatively high employer liability coverage limits of $1 million per accident or disease. However, it doesn’t cover every industry. If your business is construction, snow plowing, auto detailing, or pet sitting, you must look elsewhere for workers’ compensation coverage.

It’s also worth noting that Thimble is a broker, not an insurer. Policies come from partners like Markel or National Specialty, a♈nd those companies, not Thimble, handle claims, so service may vary.

Thimble was founded in 2016🌌 and is based i🅠n New York.

Erie stands out for its strong customer service record. Its workers’ compensation business receives fewer complaints than expected for a company of its size. That’s a significant advantage if you value consistent service–this is especially important for workers’ compensation, as delays can affect your operations and your employees’ recovery.

As part of its coverage, Erie provides access to safety consultants who can help build or improve your workplace safety program, which could help reduce claims. Erie also works with businesses to help injured employees r༺eturn to work with modified duties, reducing downtime and supporting their recovery.

Erie is also our top choice for general contractor insurance because of its high liability c꧋overage limits and surety bonds, which many clients require.

However, Erie doesn’t offer online quotes. You’ll need to speak with an agent to get policyꦉ details𝕴.

Erie wꦦas founded in 1925 and is based in Erie, Pennsylvania.

BiBerk, a part of 澳洲幸运5官方开奖结果体彩网:Berkshire Hathaway Group, boasts the highest possible financial strength rating from AM Best, indicating there’s a very good chance it will have the financial means to pay any claims you make. Business owners can quote, purchase, and manage workers’ compensation policies entirely online, too, making BiBerk a convenient option.

It offers a full range of bu꧂siness coverages, but doesn’t offer a bundling discount. 

One downside is BiBerk’s poor record for customer complaints, which could signal potential issues with service. With workers’ comp, which ⛎can involve employee injuries and disputes, this can be a big deal.

BiBerk was founded in 2015 🌳and is based in Omaha, Nebraska.

The Hartford provides a strong discount if you’re looking to bundle multiple business insurance policies and save money. Its 澳洲幸运5官方开奖结果体彩网:business owner’s policy (BOP), which includes general liability, commercial property, and business income coverage, qualifies for a 10% discount when paired with The Hartford’s workers’ compensation insurance. This is the only discount we found in our review that specifically offers savings on workers’ compensation.

You can tailor your BOP to include additional protections, such as 澳洲幸运5官方开奖结果体彩网:professional liability, commercial auto, 🍌and data 🌸breach insurance. 

The Hartford offers pay-as-you-go premium billing, which bases workers’ compensation premiums on actual payroll rather than e♑stimates. This could be helpful for companies with fluctuating staff or seasonal work. In addition, through The Hartford's workers' compensation insurance, employers and employees have access to more than 1 million health care providers familiar with workplace injuries.

However, The Hartford receives more complaints t♏han expected for its workers’ compensation coverage, suggesting potential issues with how it handles claims or customer service. 

The Hartford was founded in 1810 and is based in Hartford, Connecticut.ꦐ