Coverage for Independent Contractors and Subcontractors
Most states require businesses to provide workers’ comp insurance for independent contractors and subcontractors who don’t have their own coverage. Avoid covering contractors by collecting their Certificate of Insurance (COI) before doing business with them. If they don’t have workers’ comp insurance, you’ll be charged for their coverage at a similar rate of their total pay based on the type of work they do.
Small Business Insurance Experts
biBerk has over 500,000 satisfied customers and focuses exclusively on small businesses. Why is biBerk the business insurance company so many organizations rely on? There are many reasons.
Save time.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
Save money.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
Experienced.
We're part of the Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $62 billion in paid claims in 2025.
What is Workers’ Compensation Insurance?
Workers’ compensation insurance is an often-mandatory type of insurance that protects both your employees and your company if an employee experiences an injury or disease while at work, including strains, trip-and-fall incidents, or accidental death.
Fewer High Out-of-Pocket Business Expenses
Protection From Lawsuits
Compliance With State Laws
How do I Save Money on My Workman’s Comp Policy?
Understand Who Needs to be Covered
Many states require coverage for employees, but not for business owners or officers.
Review Your Coverage Annually
Periodically ensure your coverage is up-to-date with your business. For example, if you have expanded to a new state, prices and policy requirements may be different there.
Manage Your Risks
Create a safe working environment and also facilitate safety and employee training. Your claims history can affect pricing, so a safe business means paying less money over time. Check out biBerk.com/Loss-Control to learn more.
Add a Small Deductible
You will be billed for the deductible amount for each claim and non-payment will cancel the policy. Only available in some states.
Our direct-to-you model allows us to provide insurance up to 20% less than other companies.
Disclaimer: *Some rates, discounts, coverages, payment plans and features are not available in all states. Average savings amount based on a national biBrerk survey for all lines of business insurance sold through biBerk (covering data from February 2021 through August 2022).