There are hundreds of workers comp insurance companies in the US.
Choosing the best workers comp company for your business depends on a couple of key factors, most notably, the insurance agent you choose to work with.
Watch the video below or keep reading to learn more…
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Finding the Best Workers Comp Company
Worker’s compensation insurance is often treated as the redheaded stepchild of the business insurance program, right up until the time that their rates go up drastically.
Far too often, business owners are told that workers comp rates, “Are what they are,” and “All workers comp companies are the same.”
This is completely incorrect.
Workers’ compensation insurance is one of the few insurance coverages where you, the business owner, can play a significant role in reducing the annual cost of premiums.
There are workers’ compensation companies that only do workers’ compensation.
They have specific target markets like restaurants or contractors or manufacturing or office risks. Their pricing and claims are tailored specifically for these target markets.
If you want to get the best rate on your workers’ comp, you need an insurance agent who understands the market and can place you with the right workers’ comp company.
Benefits of Finding the Best Workers Comp Company
Over 60 percent of the workers’ comp policies are wrong.
That’s a huge number and the primary reason is most companies do not work with a worker's compensation specialist.
You most likely have never had a full review of the:
- Discounts,
- Credits,
- Programs,
- Dividends,
- Classifications,
- Lost cost multipliers, and
- Experience modification factor adjustments,
…which can greatly impact both your premiums and your total cost of risk.
READ NEXT: What Is A Worker's Comp Waiver Of Subrogation?
Top 5 Workers Compensation Companies
The best workers’ compensation insurance companies provide more than just excellent coverage, they seek to train employers on safety and make the process of buying and paying for workers’ compensation insurance easy.
We reviewed all the top-rated workers’ compensation companies to give you the best five from which to consider when working with your independent insurance agent.
Employers Insurance

EMPLOYERS is a specialty small business insurance company founded on making workers’ compensation policies affordable and easy to obtain.
EMPLOYERS offers workers’ compensation insurance in 45 states and has pay-as-you-go options that can help business owners with fluctuating payroll better manage their workers’ comp premiums.
The Rogue Take
EMPLOYERS insurance is one of our favorite worker’s comp insurance carriers for their ability to dial a layer deeper on class codes. This unique characteristic allows EMPLOYERS to provide their world-class products and service at the best price in the market. You can’t go wrong with EMPLOYERS.
The following short video outlines how we used EMPLOYERS to save a technology business over 25% annually on their worker’s comp premiums:
The Hanover Insurance

The Hanover’s workers’ compensation policy¹ offers broad benefits including payments for lost wages, coverage for employees traveling on business and payment for additional expenses to bring home an employee injured outside the U.S. Additional benefits of our workers’ compensation insurance include:
- The Hanover NT24 nurse triage program
- Fast claims handling
- Stress-free care coordination
- Risk Solutions services
- Established medical and pharmacy networks
- Flexible payment options
- One-stop shopping
The Rogue Take
Hanover’s workers’ compensation insurance product is one of the most comprehensive when it comes to coverage and protection. Their claims handling is tremendous and they’re easy to work with when there is a problem. They are not the cheapest option, but if you care about your business and it’s employees, then The Hanover is a great option.
Chubb Insurance

Chubb is a large national carrier offering personal and commercial lines of insurance. The company offers excellent return-to-work program assistance, helping small business owners manage medical and disability benefits for injured employees.
Chubb can write policies for nearly any-sized business, but it’s known for treating every account the same when it comes to customer service and claims. Some of the features Chubb offers small business owners include:
- Medical and disability management
- Preferred provider networks
- Fraud prevention
The Rogue Take
Chubb insurance has been a world-class brand name in business insurance for decades and there is good reason, they take care of their clients. We work hard to get our clients into Chubb products for their superior claims handling and preferred pricing options.
The Hartford

The Hartford integrates with payroll providers to create accurate premiums with its XactPAY® option. This means you’re less likely to pay more than you need to throughout the year. The pricing is contingent on the industry, location, and size of your business and can be incorporated into a pay-as-you-go plan.
Additionally, The Hartford has an exceptional claims approach that moves the business and injured employees forward quickly. The Hartford automatically adds coverage that are paid endorsements with other carriers:
- Stopgap coverage
- Voluntary compensation
- Bundling discount
The Rogue Take
While The Hartford may be a generalist insurance company providing a wide range of commercial insurance products to a wide variety of business classes, their workers’ compensation product is rock solid.
Liberty Mutual Insurance

Liberty Mutual is a household name for personal insurance needs, but it’s also a top 10 provider of business insurance — making it a convenient one-stop shop for all your insurance needs.
This carrier focuses on positive customer experience, making everything from getting quotes to filing claims as straightforward as possible. A few of the features Liberty Mutual offers include:
- Risk control services
- Combined business and personal policy management
- Local agents
- Sole proprietor options
The Rogue Take
Liberty Mutual, like The Hartford, is a large, national, generalist insurance company. The advantage of Liberty Mutual is their consistent healthy appetite for new business.
The Rub
Workers comp is not cut and dry and it certainly isn’t set it and forget it.
That is, unless you’ve hired an insurance agent who does this work for you.
Rogue Risk can be that insurance agent.
Workers’ compensation is what we do here at Rogue Risk.
If your current insurance professional has never addressed issues such as total cost of risk or return to work programs with you before, then I’d encourage you to reach out to us today.
- You can call or text us at 518.960.6600
- Click here to contact us via email.
I look forward to introducing you to a new way of viewing your insurance program.
Thank you,
Ryan Hanley