Flexible workers' comp for businesses with employees.

 Plus overview

Custom workers' compensation

Eligible Applicants Businesses with at least one employee, minimum payroll of $15,000 for contractor codes.
Eligible Entities Sole Proprietors, LLCs, Partnerships, Corporations.
Minimum Premium WC
Owner/Officer Coverage Optional
Increased Limits Available
Accident Policy Optional
Waivers Available
Pay Plans Available
Online Submission

Insured Email
SSN (Tax IDs not accepted)
Age Restriction
More benefits

Access to increased limits, waivers of subrogation, and an accident policy are all available.

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Flexible coverage

The owner(s) can include or exclude themselves from workers' compensation coverage.

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Payment Options

Our carriers handle billing directly, and pay plans are available

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 A deeper look

Class Codes

Most class codes are acceptable, however, there are some exclusions due to reinsurance treaty agreements. View our successful classes of business.


Employees must be included in coverage.

*Please note that use of subcontractors or day laborers is ineligible for the program.
 Plus Perks

Coverage when you need it

Great for business owners

Plus gives business owners the option to include or exclude themselves from workers' comp coverage. Need the protection? Cover yourself under your policy. Don't need the extra protection, but still need your Certificate of Insurance? You can exclude yourself, but will still have proof of insurance. This flexibility allows businesses of all shapes and sizes to afford workers' comp insurance.

Great for employees

With Plus, your employees automatically benefit from workers' compensation coverage, regardless of whether or not you choose to include yourself in coverage. We work with trusted insurance carriers who are experts in workers' compensation, ensuring your team the protection they need to get the job done.

 Where is plus available?
View program highlights by state