Boring Insurance Agency
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Workers comp is a state law before it is an insurance policy.

Workers compensation is written to state rules, not national ones — who sets the rates, who takes the risks nobody else will, and whether a private carrier may write you at all changes at the state line.

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/ Start here

Tell us the situation.

A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.

We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.

/ Coverage

What workers compensation businesses actually need.

Medical benefits

Treatment for a work-related injury or illness, with no deductible and no cap in most states.

Without it — The employer pays the medical bills directly, and in most states also the penalty for not carrying cover.

Wage replacement

A portion of lost earnings while an injured employee cannot work, set by a state formula.

Without it — The employee sues for lost wages, and the exclusive-remedy protection that normally blocks that suit does not apply.

Employer's liability

Defends the employer when an injury leads to a suit that workers comp benefits do not settle — a spouse’s claim, a third party seeking contribution.

Without it — A defence funded out of operating cash, on a claim the comp policy was supposed to absorb.

Assigned risk placement

Cover through the state residual market when no voluntary carrier will quote — the plan of last resort every state is required to maintain.

Without it — No cover, which in most states means no legal ability to employ anyone.

/ Who needs it

Where workers compensation shows up.

/ By state

What your state requires.

/ Questions

What workers compensation operators ask us.

Why is my quote different in every state I operate in?

Because workers comp is priced off a state loss-cost filing, not a national rate. Most states take those filings from NCCI; California, New York, New Jersey, Pennsylvania, Michigan, Minnesota, Wisconsin, Massachusetts, North Carolina, Delaware and Indiana each run their own rating bureau. Same payroll, same class code, different starting number.

Every carrier has declined us. What now?

Every state maintains a residual market — an assigned risk plan or a state fund — that must take risks the voluntary market will not. The submissions are long and most brokers avoid them, which is why declined accounts often hear nothing rather than hearing no. We place them.

Our experience mod jumped. Is that permanent?

No. A mod is a three-year rolling calculation that drops the oldest year as it adds the newest, so a bad year ages out. What changes the trajectory is what happens between now and then — claim handling, return-to-work, and whether the reserves on open claims are still realistic. We have taken accounts out of the residual market this way.

Do I need workers comp for subcontractors?

Usually yes, in the sense that you will pay for them. If a sub cannot produce their own certificate at audit, most states let the carrier charge you as though they were your employee — which is why an uninsured sub is often the single largest line on an audit bill.

What is an audit and why did it produce a bill?

Workers comp premium is an estimate based on projected payroll, trued up after the policy year. If payroll ran higher than projected, or uninsured subs appeared, or employees were classified into cheaper codes than the work they actually did, the difference arrives as an audit bill.

Tell us what you do.We’ll tell you what you need.

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