The process
Compare up to 10 carriers in minutes, then purchase online
One application, real carrier competition, and a comparison that shows you everything — including who said no.
You fill out one workers' compensation application. We send it to every carrier we can access for your class of business, then deliver a ranked comparison you can buy online with an e-signature. Your live certificate of insurance is issued the moment coverage is in force.
The five steps
- 1
Apply once
You answer one set of questions: what your business does, where it operates, who's on payroll, your class codes, your claims history and any prior coverage. That's the whole application — you don't retype it for each carrier.
- 2
We quote every carrier we can access
Your submission goes to the markets that write your class of business. Some carriers return an instant quote through direct integrations; others are placed the traditional way through an underwriter. Both paths run in parallel.
- 3
You get a ranked comparison — including the declines
We deliver the results like a purchase page: carriers side by side, coverage and terms compared, pay-as-you-go availability noted, and the carriers that declined shown honestly with the reason, so you're not left wondering what happened.
- 4
Buy online with e-signature
Pick the quote that fits, review the terms, and sign electronically. If you'd rather talk it through first, a licensed agent at Provident Financial Group is on the phone with you — your choice, not a requirement.
- 5
Your live certificate is issued
Once coverage is in force, your live certificate is ready: proof of coverage on your phone, current the moment anyone checks, shareable with a client by text or email in seconds.
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states
Carriers quoted through our agency include
- The Hartford
- Travelers
- AmTrust
- GUARD
- EMPLOYERS
- Pie
- NEXT
- biBERK
- Markel
- Hanover
- Liberty Mutual
- Great American
- THREE
- Philadelphia Insurance
- Crum & Forster
Carrier names are used for identification only. We are an independent agency and are not affiliated with, endorsed by, or sponsored by any carrier named here. Carrier availability varies by state, class of business and underwriting appetite.
Frequently asked questions
How long does the quote process take?
Most small businesses can complete the application in a few minutes. Instant-quote carriers respond right away; carriers placed traditionally through an underwriter can take longer depending on your class of business and claims history.
Do I have to talk to an agent?
Only if you want to. You can review your comparison and purchase online with an e-signature, and a licensed agent is available whenever you'd rather talk it through.
Why would a carrier decline my business?
Appetite varies by class code, state, payroll size, claims history and experience modification factor. We show you which carriers declined so you can see where your business sits in the market.
What do I need to have ready?
Your legal entity information, business address, a description of the work performed, estimated annual payroll by type of work, employee counts, owner and officer details, and your loss history for the past few years.
Last reviewed · Reviewed by Provident Financial Group licensed agents
Ready when you are.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
Mon–Fri, 8:00am–6:00pm ET · Independent agency licensed in 23 states