: If you've had coverage before, provide your "Experience Modifier" or loss history for the past three years. 3. Choose a Purchasing Method
: In states like California, one employee is enough to require coverage. In others, like Mississippi, the requirement may not start until you have five employees. 2. Gather Business Documentation how to buy workers comp insurance
You can buy a policy through several channels, depending on your business size and complexity: : If you've had coverage before, provide your
: If you are in Ohio, North Dakota, Washington, or Wyoming , you must buy insurance directly through the state's government-operated fund. : If you've had coverage before
: Many carriers like Progressive and The Hartford offer instant online quotes for standard small businesses.