20 Best Workman’s Comp Insurance for Small Business in the United States

Workers’ compensation insurance is essential for small businesses, providing vital protection for employees in case of work-related injuries or illnesses. This coverage not only benefits employees but also safeguards businesses from legal complexities and financial burdens associated with workplace accidents. Here’s a roundup of the 20 best workers’ compensation insurance providers in the USA, known for their reliability, comprehensive coverage, and commitment to small businesses.


1. The Hartford

A leader in business insurance, The Hartford offers robust workers’ compensation policies that include nurse case management, helping employees return to work as soon as they are able.


2. Travelers

Travelers provides extensive workers’ compensation coverage with the advantage of risk control services to help prevent workplace injuries before they occur.


3. AmTrust Financial

Known for their tailored approach, AmTrust Financial specializes in coverage for small to mid-sized businesses with flexible payment options and excellent claim services.

4. State Farm

With a strong network of agents nationwide, State Farm offers personalized workers’ compensation insurance solutions suited to the specific needs of small businesses.


5. Nationwide

Nationwide excels with a comprehensive range of coverage options, including workers’ compensation insurance that comes with safety materials to help businesses reduce workplace risks.

6. Chubb

Chubb is ideal for small businesses seeking extensive coverage with a global reach, providing workers’ compensation insurance that includes access to a vast network of medical providers and pharmacies.

7. Liberty Mutual

Liberty Mutual offers innovative tools and detailed risk assessments to help small businesses manage their workers’ compensation needs effectively.

8. Berkshire Hathaway GUARD

Specializing in coverage for small and mid-sized businesses, Berkshire Hathaway GUARD provides workers’ compensation insurance with an emphasis on exceptional service and fast claims processing.

9. CNA

With over a century of insurance experience, CNA offers comprehensive workers’ compensation policies that focus on helping employees recover and return to work.

10. Zurich

Zurich provides tailored workers’ compensation solutions with risk assessment tools that help businesses maintain safe work environments.

11. AIG

AIG stands out for its focus on high-risk industries, providing customized workers’ compensation insurance policies that cater to the unique needs of small businesses.

12. AXA

AXA offers global coverage with a focus on preventive strategies and efficient claims handling, making it a strong option for workers’ compensation.

13. Hiscox

Hiscox provides specialized workers’ compensation insurance for small businesses, with a focus on flexible coverage options that meet the specific needs of different industries.

14. Farmers Insurance

Farmers offers comprehensive workers’ compensation insurance backed by industry-specific knowledge, helping businesses to minimize risks associated with workplace injuries.

15. Progressive Commercial

While known for auto insurance, Progressive also offers competitive workers’ compensation insurance, especially for businesses that also need commercial vehicle coverage.

16. BiBERK, a Berkshire Hathaway Company

BiBERK simplifies the process of obtaining workers’ compensation insurance by offering direct, online policies tailored for small business needs.

17. Employers

Employers focuses exclusively on workers’ compensation insurance, providing expert services and resources tailored to help small businesses manage risks and claims efficiently.

18. The Zenith

The Zenith stands out for its dedication to workers’ compensation, offering customized services that include proactive risk management and employee safety programs.

19. CoverWallet

CoverWallet allows small businesses to compare workers’ compensation policies from various insurers online, providing a flexible and convenient option for finding the right coverage.

20. Pie Insurance

Pie Insurance uses technology to offer lower-cost workers’ compensation coverage by accurately pricing policies based on the specific risk level of a business.


Choosing the right workers’ compensation insurance provider is crucial for small businesses. It ensures not only compliance with legal requirements but also provides a safety net for employees and the business itself. Each of these providers offers unique benefits and specializes in accommodating the diverse needs of small businesses across different industries, making them preferred choices for those looking to secure comprehensive and affordable workers’ compensation coverage.