Most businesses buy policies through private insurance companies. You can compare rates at sites like Insureon or Progressive Commercial .
Depending on where your business is located, you might use a state fund: where to buy workers compensation insurance
Once you buy a policy, you will receive a . You will often need to provide this proof of coverage to clients, contractors, or vendors before starting a project. Workers' Compensation Insurance - Progressive Commercial You will often need to provide this proof
If your business is in a high-risk industry (like roofing or logging) and private carriers reject your application, you can apply for the . This is a state-mandated program that ensures every employer can get coverage, though it is usually the most expensive option. Key Documentation Key Documentation : In North Dakota , Ohio
: In North Dakota , Ohio , Washington , and Wyoming , you must buy insurance through the state-operated fund. Private insurance is not allowed.
