Huckleberry offers a fast and easy way for business owners to buy 澳洲幸运5开奖号码历史查询:workers’ compensation insurance online. It covers businesses in every state except Ohio, North Dakota, Washi🍸ngton, aജnd Wyoming. 

Workers’ compensation rates mainly depend on your payroll size. Larger payrolls mean higher costs. Industry🐼ꦑ 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 liabiꦕlity limit of up to $2 million 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开奖号码历史查询: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 Huckleberrꦓy’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.

Huckleberry is owned by Paychex, whic🧔h 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开奖号码历史查询: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 part♋ners like Markel or National Specialty, and those companies, not Thimble, handle claims, so service may vary.

Thimble was founded in 2016 and꧟ is based in 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 return to work with modified duties, reducing downtime and supporting their recovery.

Erie is also our top choice for genera𝔉l contractor insurance because𒉰 of its high liability coverage limits and surety bonds, which many clients require.

However, Erie ♒doesn’t o🌟ffer online quotes. You’ll need to speak with an agent to get policy details.

Erie wa🍰s founded in 1925 and is based in Erie, 🤡Pennsylvania.

BiBerk, a part of 澳洲幸运5开奖号码历史查询: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 busineꦛss coverages, but d💦oesn’t offer a bundling discount. 

One downside is BiBe💛rk’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开奖号码历史查询: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开奖号码历史查询:professional liability, commerc✅ial auto, and data breach insurancꦚe. 

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

However, The Hartford receives more complaints than expected for its workers’ compensation coverage, suggesting potenဣtial issues with how it handles claims or customer service. 

The Hartford was founded in 1810 and is based i💮n Hartford, Connecticut.