Fast, free quotes for small & medium businesses nationwide. A+ rated carriers, competitive rates, and same-day certificates so you can keep your crews working.
You can get a free Workers Compensation insurance quote from ZAV Agency in under 60 seconds by submitting the form above. A licensed agent contacts you the same day with quotes from multiple A+ rated carriers.
Workers compensation insurance is a state-mandated policy that pays for medical care and lost wages when an employee is injured on the job. It also protects the business owner from most employee injury lawsuits.
| Coverage | What It Pays For | Typical Limit |
|---|---|---|
| Medical Expenses | Doctor visits, hospital stays, prescriptions, surgery | No cap in most states |
| Lost Wages (Indemnity) | Portion of wages while employee cannot work | ~66% of average weekly wage |
| Disability Benefits | Temporary or permanent disability payments | State-specific schedule |
| Death Benefits | Funeral costs, income for dependents | State-specific schedule |
| Employer Liability | Legal defense if an employee sues | $100K/$500K/$100K standard |
| Rehabilitation | Physical therapy, vocational retraining | Reasonable & necessary |
Workers comp is required in every U.S. state except Texas for businesses with employees. Penalties for non-compliance can exceed $10,000 per violation. Source: Insurance Information Institute (III).
ZAV Agency has been placing business owners with A+ rated carriers since day one. Whether you have one employee or one hundred, we shop the market to find you the right coverage at the right price — fast.
Built by a business owner, for business owners. We know one workplace injury without the right policy can wipe out years of hard work. Our job is to make sure that never happens to you.
"ZAV Agency saved us thousands on our workers comp renewal. Same-day certificate, no hassle, and the agent actually picked up the phone."
"Very professional and attentive with my business insurance needs. Got me a better rate than my prior policy and walked me through every step."
"By far the best insurance agency I've used. They handled a tough class code for me and got the policy bound the same week. Highly recommend."
If your business has employees, we can quote it. Common classes below — many more available.
Direct answer: Workers compensation premiums are based on payroll, job classification, claims history, and state rules, so costs vary widely by business and industry.
Insurers apply a rate to each $100 of payroll, then adjust it for experience and state requirements. Higher-hazard work such as roofing and construction generally costs more than clerical work. III explains the core medical, wage-replacement, rehabilitation, and death benefits workers compensation provides.
Direct answer: Most states require employers to carry workers compensation once they have employees, but thresholds, exemptions, and penalties differ by state.
Texas generally does not require private employers to carry workers compensation, while other states set their own employee-count and industry rules. Verify requirements with the applicable state regulator before operating. NAIC consumer guidance recommends understanding state-specific obligations.
Direct answer: Businesses with employees typically need workers compensation, including offices, restaurants, contractors, retailers, and professional firms, subject to each state’s rules.
The obligation often turns on the employment relationship rather than the company’s size or industry alone. Owners, officers, and family members may have optional or mandatory treatment depending on state law. III describes coverage for workplace injuries and occupational illnesses.
Direct answer: Many straightforward workers compensation risks can receive a same-day quote, bindable policy, and certificate after underwriting approves the submitted information.
Timing depends on carrier appetite, payroll records, prior-loss information, and whether the class code needs further review. A certificate proves coverage only after the carrier has bound the policy. ZAV Agency can coordinate documents and carrier questions promptly.
Direct answer: A 1099 label alone does not decide coverage; state law and the actual working relationship determine whether a contractor is treated as an employee.
A hiring business may face premium charges or liability if an uninsured contractor is reclassified as an employee. Collect certificates from independent subcontractors and discuss classification with an agent. III notes workers compensation is governed by state law.
Direct answer: ZAV Agency is licensed to place workers compensation coverage in Florida, New York, New Jersey, Texas, South Carolina, Ohio, and Oklahoma.
Carrier availability, class-code eligibility, and required filings still vary within each state. Tell the agent where employees work, including remote or temporary locations, so the policy can be structured correctly. Coverage is subject to insurer underwriting approval.
Direct answer: Prepare your business details, estimated payroll by job type, employee count, work locations, prior coverage, and recent claims information for an accurate quote.
Carriers use class codes and payroll to calculate premium, then review ownership and loss history. A current declarations page and loss runs can speed renewal-market submissions. Never provide a Social Security number or authorize a credit check merely to begin a quote.