Workers' comp quotes,
shopped across markets.
WC Insurance Quotes is a workers' compensation insurance quote service operated by KGIB, Inc., a licensed agency serving 23 states. A real agent reviews your submission and shops available carrier markets for contractors, restaurants, trucking, healthcare, retail, office teams, and more. No generic lead form — typical review within one business day.
Quote review
Agent-led, not automated
Timing and quote availability vary by state, industry, payroll, loss history, and underwriting.
Why WC Quotes
Licensed agents. Real workers' comp markets. Less guesswork.
Workers' comp can be confusing: class codes, payroll splits, state rules, prior losses, certificates, audits, and carrier appetite all matter. WC Insurance Quotes gives business owners a focused place to start and a licensed agency contact to help finish the process.
Prefer to talk first?
Call before you submit if you are unsure what information is needed.
Operated by KGIB, Inc.
WC Insurance Quotes is backed by a real insurance agency, not a generic anonymous lead form.
Talk to a person
Call or email before you submit if you want help with payroll, class codes, or prior coverage details.
Quote-ready review
Your submission is reviewed for the details carriers actually need, which helps reduce back-and-forth.
Focused on workers' comp
The site is built around workers' compensation coverage, including harder-to-place industries and state-specific rules.
How It Works
Three steps to a cleaner quote process.
Start with basic business details, get an agent review, and compare available workers' compensation options with no obligation.
Start with the essentials
Tell us your state, industry, payroll, employee count, and current policy timing. Best estimates are fine to start.
A licensed agent reviews it
We check class codes, payroll splits, prior coverage, and the details carriers need before the application is shopped.
Compare your options
When markets are available, you receive clear quote options, guidance, and next steps for coverage or certificates.
Industries
Workers' comp for businesses like yours.
Every industry is underwritten differently. A restaurant, roofer, trucking company, medical office, and clerical business can all need different carrier markets, class codes, and payroll details.
Start Your Quote RequestConstruction
General contractors, trades, subcontractors
Manufacturing
Production, assembly, fabrication
Restaurants
Restaurants, cafes, food service
Trucking
Trucking, delivery, transportation
Plumbing & HVAC
Mechanical trades and service contractors
Healthcare
Medical offices, clinics, care providers
Retail
Stores, showrooms, wholesalers
Landscaping
Landscape, lawn care, tree-adjacent operations
Office / Clerical
Professional, administrative, clerical teams
Electrical
Electrical contractors and technicians
Janitorial
Cleaning, maintenance, facility services
Auto Repair
Repair shops, service centers, garages
Coverage Area
Licensed across 23 states.
State rules, forms, rating bureaus, and carrier appetite can vary. Choose your state to start with coverage information built for your market.
Common Questions
Before you request a quote.
What is workers' compensation insurance?
Workers' compensation insurance is a business insurance policy that pays medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill because of their job. In almost every state, employers are legally required to carry workers' comp once they hire W-2 employees, though the exact employee threshold varies. Coverage is generally priced per $100 of payroll, with rates set by NCCI or the state's rating bureau based on the job's class code.
How much does workers' comp insurance cost?
Workers' comp insurance costs are calculated as (annual payroll ÷ 100) × class code rate × experience modifier. Rates range from about $0.11 per $100 of payroll for clerical employees up to $25 or more per $100 for roofing in high-cost states like New York. The national median premium index rate is $1.09 per $100 of payroll as of 2024. Our free cost calculator uses real state-level rate data to estimate your premium.
What happens after I submit a quote request?
After you submit, a licensed insurance agent at WC Insurance Quotes reviews your business details, confirms the class codes and underwriting information carriers need, and shops available workers' comp markets on your behalf. You receive quote options and guidance — typically within one business day for complete submissions. There is no obligation and no credit card required.
Do I need exact class codes before I start?
No. You do not need exact NCCI or WCIRB class codes to start a quote request. Start with a plain-English description of the work your employees perform, and a licensed agent will help identify the correct codes and payroll splits before your application is shopped to carriers. Picking the right class code matters — it directly drives your premium.
How fast can I get workers' comp quotes?
Most complete workers' comp quote requests are reviewed within one business day. Actual turnaround depends on state, industry class code, payroll size, loss history, and carrier underwriting requirements. Harder-to-place risks (roofing, trucking, logging) and businesses with significant claim history may require additional underwriting information and take longer.
What states does WC Insurance Quotes serve?
WC Insurance Quotes is licensed in 23 states: Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Kansas, Massachusetts, Missouri, Nevada, New Hampshire, New Mexico, New York, Oklahoma, Oregon, Pennsylvania, Tennessee, Texas, and Utah. If you operate in multiple states, let us know during your quote request so we can review multi-state coverage and out-of-state endorsement requirements.
Can I call before filling out the form?
Yes. Call (714) 744-3300 or email jon@kgibinc.com before you start if you are unsure what information is needed, want to discuss class codes, or have questions about prior coverage. WC Insurance Quotes is operated by KGIB, Inc., a licensed insurance agency — you will speak with a real agent, not a lead-gen service.
Is workers' comp required by law?
Workers' compensation is required by law for employers with at least one W-2 employee in almost every state. Texas is the only state where private workers' comp is optional, though non-subscriber employers lose standard legal defenses if an employee is injured. Some states (Florida, Missouri, New Mexico, Tennessee, Arkansas) require construction businesses to carry coverage even with only one employee, while the general threshold in those states is higher.
Ready to compare?
Start your workers' comp quote today.
No obligation. No credit card. Just a focused workers' comp quote request reviewed by a licensed agency.