Independent information for small-business owners Know your obligations. Protect your people.
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THE SMALL BUSINESS REFERENCE

Workers comp costs.
State requirements.

Know what it might cost.
Understand what your state requires.
Plan with your payroll and business type.

Free cost estimate Official state sources Plain-English guidance
Different states. Different rules.

Start with the requirements where you work.

Explore state guides
YOUR COST, AT A GLANCEFree · No commitment
STEP 1 OF 3

Let’s start with your business.

Big plans start with a little clarity.

Classification search

Check the class code with your insurer. Search results are only a guide.

Annual wages for this classification only, in USD.

We use your information to calculate your estimate and share it with an insurance agent for follow-up. Unless you opt out, we also send a hashed copy of your email and phone to Google to measure our ads.

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Where are you in your journey?
New to workers comp Checking my obligations Ready to buy coverage
RULES WHERE YOU WORK

Your state. Your requirements.

Coverage rules, exemptions, and what to do next.

All 50 states + D.C.
CA

California

Coverage from your first employee

Read the state guide
TX

Texas

Understand coverage and non-subscription

Read the state guide
FL

Florida

Industry-specific requirements

Read the state guide
NV

Nevada

Coverage and employer reporting basics

Read the state guide
A LITTLE KNOWLEDGE GOES A LONG WAY

Make a more informed next move.

Learning center
START HERE · 6 min

Workers comp, without the jargon

What workers compensation covers, who it protects, how it is regulated, and where a small business should start.

COST & COVERAGE · 7 min

How payroll and class codes affect cost

The basic premium formula, how class codes work, what counts as payroll, and how to avoid a surprise bill.

BUSINESS CHECKLIST · 6 min

Before you buy: a coverage checklist

A step-by-step list to make your first conversation with an agent count, compare quotes fairly, and avoid gaps.