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Workers' Compensation Insurance
Almost every state requires this policy for tech businesses that have employees.
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Workers' compensation insurance certificate

A workers' compensation certificate of insurance proves that you carry this insurance coverage. Clients or regulators may ask to see your certificate, which you can access as soon as you buy a workers' comp policy.

A workers' comp certificate shows proof of insurance

As soon as you buy workers' compensation insurance from TechInsurance, you'll receive a certificate of insurance (COI). This form outlines important information about your workers' comp coverage.

Certificates of insurance provide proof of insurance to clients and others who want to know that you're insured. They can even lead to new business opportunities with clients who want to know they're protected against costly work accidents.

To see what one looks like, review this sample ACORD certificate of liability insurance.

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When do you need a workers' compensation insurance certificate?

You'll need to research the workers' compensation laws in your state to find out when you're required to purchase this policy. Most states mandate coverage as soon as a tech company hires its first employee.

Your clients may also require you to carry workers' compensation coverage, even if you work alone. Business owners and independent contractors should consider buying this policy, as your health insurance can deny injury claims if they're related to your work.

Workers' compensation benefits include medical care, disability benefits, and death benefits for on-the-job injuries. Because of the high cost of medical treatment, workers' comp is recommended even when it's not required by law.

What's included in a certificate of insurance?

A certificate of workers' compensation should include the following information:

  • The name of the certificate holder
  • The workers' compensation insurance carrier and its mailing address
  • Workers’ compensation policy number
  • Any exclusions from coverage
  • Policy limits (if your policy includes employer's liability insurance)
  • The names of anyone who is an additional insured
  • Effective date and expiration date of the policy
  • Business description

How do you get a workers' compensation certificate?

To get a workers’ comp certificate, you first need to buy insurance. You can get a workers' compensation insurance policy and certificate in four easy steps with TechInsurance:

  • Complete our easy online application
  • Compare quotes from top-rated insurers
  • Buy a workers' compensation policy online
  • Download your workers' comp insurance certificate

A licensed insurance agent who specializes in your profession will help you every step of the way. You can usually get your certificate of insurance on the same day you apply for quotes.

If you need a certificate right away, contact a TechInsurance agent and we'll help you get insured quickly.

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