PROSPIRIONWorkers' Comp
Workers' comp for small business
Cover Your Crew.
Keep Your Profit.
Workers' comp from multiple carriers, matched to your trade and payroll.
Watch · 20 seconds
Workers' comp, quickly explained
What gets covered
What workers' comp pays for
If an employee is hurt on the job, workers' comp helps cover the costs, so you aren't paying for them yourself.
Medical bills
Doctor visits, hospital care and prescriptions for work injuries.
Lost wages
Part of an employee's pay while they recover and can't work.
Rehab & return to work
Therapy and support to get your employee back on the job.
Employer's liability
Legal defense if an injury claim turns into a lawsuit.
Who it's for
Built for the trades and main street
Our markets are especially strong for these businesses. Don't see yours? Ask anyway.
Certificates fast once you're covered, so you can start the next job. Multi-state crews welcome.
How it works
Three steps to your options
Tell us about your crew
Your trade, states and payroll. Takes about 2 minutes, and we never ask for Social Security numbers.
We shop the market
We match your class and states to carriers that want your business, then compare quotes.
Review in 15 minutes
We walk you through the options side by side. You decide. Certificates go out once coverage is bound.
FAQ
Common questions
Do I need workers' comp if I only have part-time help?
In Massachusetts, employers with one or more employees, including part-time, generally must carry it. Other states set their own rules. We'll confirm what applies to you.
Doesn't my general liability cover my employees?
No. General liability covers injuries to customers and damage to their property. Workers' comp covers your own employees.
Why did I get a bill after my policy ended?
That's the premium audit. The carrier compares your actual payroll to the estimate. Uninsured subcontractors can also be added to your payroll, so collect certificates from every sub.
Can my premium follow my payroll?
Some carriers offer pay-as-you-go billing tied to the payroll you actually run. Availability depends on the carrier and your state.
I have employees in more than one state. Can you help?
Yes. We set up policies that list every state where you have employees.
Got it
Thanks, there. We're on it.
Want a faster, more accurate quote? The full application takes about 5 minutes and lets us quote right away.
Start full application Or skip it. We'll call you within one business day.Application received
You're all set.
A licensed Prospirion agent will review your application and call within one business day to set up your 15-minute review.