Commercial Services
Workers' Compensation Insurance
Required in most states for businesses with employees. Knox Insurance shops multiple carriers across 23 states to find competitive workers' comp rates and helps you manage claims, safety programs, and experience modification.
23
States licensed
Coverage Highlights
What Workers' Comp Covers
Workers' compensation provides benefits to employees who are injured or become ill on the job, while protecting employers from lawsuits related to workplace injuries.
Medical Expenses
Covers all reasonable and necessary medical treatment for work-related injuries and illnesses — doctor visits, surgery, hospital stays, prescriptions, physical therapy, and rehabilitation.
Lost Wages & Disability
Provides temporary and permanent disability benefits to replace a portion of lost income when an employee can't work due to a workplace injury. Includes both partial and total disability.
Employer's Liability
Protects your business against lawsuits from employees who claim their injury was caused by employer negligence. Covers legal defense costs, settlements, and judgments.
Death Benefits
Provides financial support to dependents and covers funeral expenses if an employee dies as a result of a work-related injury or illness.
Vocational Rehabilitation
Covers job retraining and supplemental job displacement benefits for employees who cannot return to their previous position after a workplace injury.
Claims Management
When an employee gets hurt, we're in your corner. We help navigate the claims process, communicate with the carrier, and work toward a timely resolution that gets your employee back to work.
Beyond the Policy
More Than Just a Quote
Workers' comp isn't just about finding the lowest rate. The right broker helps you reduce claims, lower your experience mod, and build a safer workplace.
Competitive Rates
As independent brokers, we compare workers' comp rates across multiple carriers to find the best combination of coverage and price for your classification codes and payroll.
Safety Programs
We help you develop and implement workplace safety programs that reduce injuries and can lower your experience modification rate — saving you money on premiums year after year.
Experience Mod Management
Your EMR directly affects your premium. We analyze your mod, identify factors driving it up, and work with you on strategies to bring it down over time.
Pay-As-You-Go Billing
Flexible billing options based on actual payroll instead of estimated annual premiums. Avoid large upfront deposits and surprise year-end audit adjustments.
Industry Expertise
From construction and trucking to restaurants and offices, we understand the workers' comp requirements, class codes, and risks specific to your industry.
Return-to-Work Programs
Getting injured employees back to modified duty faster reduces claim costs and keeps your experience mod in check. We help you build effective return-to-work procedures.
Without Workers' Comp, You Risk
Most states require workers' compensation for businesses with employees. Operating without coverage exposes you to serious legal and financial consequences.
Criminal penalties — fines ranging from $1,000 to $100,000+ depending on the state, with potential felony charges
Stop-work orders that immediately shut down your business operations until coverage is obtained
Personal liability for all employee medical expenses, lost wages, and disability benefits
Employee lawsuits with no workers' comp immunity — no cap on damages in most states
Loss of contracts — many clients, GCs, and government projects require proof of coverage
With the Right Policy, You Get
Legal compliance across every state where you have employees
Protection from employee lawsuits — workers' comp provides employer immunity for covered claims
Medical and disability benefits handled by the carrier, not out of your pocket
Claims advocacy from Knox Insurance to manage the process and minimize costs
Lower premiums over time through safety programs and experience mod management
Industries We Serve
Workers' Comp for Every Industry
Different industries have different class codes, risk profiles, and premium structures. We understand the nuances and find the right carriers for your business.
Construction & Contractors
Trucking & Transport
Restaurants & Food Service
Retail & Wholesale
Manufacturing
Healthcare & Medical
Professional Services
Landscaping & Maintenance
Auto Repair & Body Shops
Offices
Real Estate & Property Mgmt
Janitorial & Cleaning
Why Knox for Workers' Comp?
We've been placing workers' compensation policies since 1980. We know the carriers, the class codes, and the strategies that keep your premiums manageable.
Multiple Carrier Access
We work with carriers that specialize in workers' comp across industries — from The Hartford and Travelers to specialty carriers for construction, trucking, and hard-to-place risks.
23-State Coverage
Employees in multiple states? We coordinate coverage across all 23 states where we're licensed, ensuring compliance everywhere your workforce operates.
Mod Rate Reduction
Your experience modification rate is the single biggest controllable factor in your premium. We help you understand it, manage it, and drive it down over time.
Claims Advocacy
When an employee files a claim, we advocate on your behalf with the carrier. We help manage the process, control costs, and get your employee back to work safely.
Get a Workers' Comp Quote
Free quotes from multiple carriers. Most quotes returned within one business day.
Trusted Carrier Partners