Kinro

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Workers compensation insurance for your team.

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What you’ll get

  • 1

    Coverage guidance

    We identify the coverage that commonly fits your work and state.

  • 2

    Available carrier options

    Compare price, limits, exclusions, and carrier fit with an independent agency.

  • 3

    An agent replies in ~2 min

    A licensed Kinro agent texts or emails to help with next steps.

What insurance can help protect

Employee workplace injuries

An employee is hurt while doing their job or develops an occupational illness tied to covered work.

Medical care and lost wages

State-regulated benefits may help an eligible employee with medical treatment and part of their lost income.

State and contract requirements

Employee count, ownership, location, and customer contracts can determine when proof of coverage is needed.

Coverage to consider

Workers Compensation

Coverage for eligible workplace injuries and occupational illnesses, subject to state rules and policy terms.

Employers Liability

Often included with workers comp to address certain employee-injury lawsuits outside statutory benefits.

General Liability

A separate coverage for third-party injury or property damage; it does not replace workers compensation.

Commercial Auto

May be relevant when employees drive business-owned vehicles between locations or job sites.

Ready to see your options?It’s almost too easy.

Answers in minutes, not days of phone tag, before and after you buy. Independent support from Kinro & our licensed agents who shop the market for you, every renewal.

  • 1

    Enter your ZIP

    We use it to check state rules and carrier availability.

  • 2

    Hear from Kinro

    A licensed agent texts or emails you within 2 minutes.

  • 3

    Review your options

    Compare relevant coverage, carrier options, and price.

workers compensation questions?We have answers.

When does a small business need workers compensation?
Requirements depend on the state, employee count, ownership, and work performed. Contracts may also require proof of coverage. A licensed agent can confirm the rules that apply to your business.
What affects a workers compensation quote?
Payroll, employee duties and class codes, states, owner inclusion or exclusion, subcontractor exposure, prior claims, and the requested effective date can all affect eligibility and price.
Does general liability cover employee injuries?
General liability usually addresses injury or property damage involving third parties. Workers compensation is the separate coverage businesses review for eligible employee workplace injuries and occupational illnesses.
Can Kinro review my current workers comp policy?
Yes. Share your current policy, payroll details, loss runs, or contract requirements, and Kinro can help compare available options and next steps.
Is there any obligation to buy?
No. Starting a request does not require you to purchase a policy.

Does my small business need workers compensation insurance?

Workers compensation requirements vary by state, employee count, ownership, and type of work. A licensed agent can confirm which rules and carrier options apply to your business.

  • Employee duties and payroll affect classification and pricing.
  • Owners may be included or excluded depending on state rules and entity type.
  • Contracts can require proof of workers comp even when a statutory threshold is not met.

Official sources

Related business insurance guides

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