How Do I Find Workers’ Compensation Coverage?

Most states require employers to carry Workers’ Compensation insurance coverage for your employees. If your employee experiences an illness or an injury on the job, workers’ compensation insurance helps cover medical expenses and lost time away from work.

Each state has different laws for who is required to carry workers’ comp coverage and how to obtain it. If you do business in North Dakota, Ohio, Washington State, or Wyoming, these states require you to obtain workers’ comp coverage through their own state fund. The remaining states allow you to shop for workers’ compensation insurance coverage using a private insurance company. For more info about your state’s requirements, see this helpful guide.

For further reading, see our blog article, “A Closer Look at Workers’ Compensation.”

As a Patriot Software customer, if you do business in any state other than ND, OH, WA, or WY, we offer a way for you to shop for workers’ comp insurance (and other business insurance coverage) with ERGO | NEXT Insurance (formally AP Intego), a national insurance broker who specializes in workers’ comp coverage for small business. ERGO| NEXT offers a “Pay As You Go” option that allows you to pay premiums based on actual payrolls each pay period. For more info, see Pay As You Go Workers’ Compensation Insurance.

Yes, ERGO NEXT to act as an intermediary, using proprietary technology to connect customers with outside insurance providers. Once you select a policy with ERGO|NEXT as the broker of record, each payroll you run in Patriot will send information back to ERGO|NEXT for your workers compensation.