Workers' Compensation

Workers' compensation insurance

Run your business with the confidence that you're protected

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Prepare for the unexpected with simplified insurance

When you work with ADP®, you connect with the licensed agents of our affiliate agency, the Automatic Data Processing Insurance Agency (ADPIA™)*, who are committed to simplifying insurance so you can get the coverage that’s best for you and your business.

Why you need workers’ comp insurance

The answer is simple:

  • Most states require businesses with one or more employees to have workers’ compensation insurance; only a few states don’t require it
  • States that require workers' comp typically impose significant penalties for companies that don’t comply
  • Coverage is necessary regardless of fault; injured workers are typically eligible for workers’ compensation, even if their injuries resulted from their own negligence
  • Health or medical insurance doesn’t substitute for workers’ comp; employees are only covered for on-the-job injuries or job-related illnesses

Learn more about what workers’ compensation insurance is, and why you need it, from our affiliate agency, ADPIA.

ADPIA Workers’ Compensation Insurance

Pay-by-Pay may eliminate premium binder payments, improve cash flow and simplify your audits, making a direct impact on your bottom line.***

Integrate with payroll and improve cash flow

What would you do if you had extra cash to put back into your business? ADP’s Pay-by-Pay Premium Payment Program** is a unique solution that offers your company a simple and efficient way to free up cash:

  • No upfront premium deposit is required****, which frees up funds that you can invest in your business to build profitability
  • Premium payments are based on actual, not estimated, payroll data and carrier rates, to minimize over or underpayments at your year-end audit
  • Payments are spread over your company’s payroll cycle so you know what to expect and when

ADP's Pay-By-Pay Premium Payment Program

Traditional Workers' Compensation Premium Payments

  • A 25-100% premium deposit required
  • Premium based on estimated annual payroll
  • Limited payment terms (e.g. monthly, quarterly, semi-annual)
  • Greater risk of additional premium due at year-end audit
  • Need to hand write checks and send via mail risking late payment or cancellation

ADP's Pay-By-Pay Premium Payment Program

  • No premium deposit required
  • Premium based on actual payroll and carrier rates
  • Payments spread-out over company's payroll cycle
  • Reduced risk of over or underpayment at year-end audit
  • Eliminates writing checks and assures accurate, on-time payments

Guidance from seasoned insurance professionals

Knowing that you'll likely need workers' compensation insurance is easy enough, but finding the right coverage is often anything but easy. Working with our licensed insurance professionals not only helps you get clear about workers’ comp details, you also receive knowledgeable, supportive guidance — from choosing the right coverage and carrier to keeping on top of requirements and regulatory changes.

The 300+ licensed insurance professionals of ADPIA know what they’re doing. They’ve worked with more than 150,000 businesses like yours, both small (1-49 employees) and midsized (50-999 employees) to help them choose the right coverage, at the right cost.

After all, ADPIA understands your top priorities: growing your business, complying with regulations and caring for your employees.

To receive a quote for workers’ compensation coverage, and a comparison of providers, from one or more leading national carriers, contact ADPIA.

Get the full value of integration

Manage insurance online, on your terms. Whether you need competitive proposals from multiple carriers, advice from a licensed agent, detailed reports or more, you can receive the full value of integrating payroll with select insurance policies when you partner with ADPIA.

Reach out to ADPIA for details.

Don’t wait for workers’ compensation certificates of insurance

ADP customers with RUN Powered by ADP® who also use ADP’s Pay-by-Pay® Premium Payment Program** get another advantage — easy, 24/7 access to certificates of insurance that you can:

  • Email
  • Print
  • Download

This means that your business doesn’t have to pause when you need proof of workers’ compensation — you’ll be able to have your employees at work, at customer’s locations, when you need them to be.

Read more about workers’ compensation certificates of insurance or reach out to ADPIA for details. ****

Easy, Fast and Accurate certificates of insurance when you need them

As an Automatic Data Processing Insurance Agency, Inc. (ADPIA) client for workers’ compensation, utilizing ADP’s Pay-byPay® Premium Payment Program, you can create, update, renew and retrieve your certificates of insurance directly from your RUN powered by ADP® payroll account.*****

Get Pricing Specific to Your Business

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*Automatic Data Processing Insurance Agency, Inc. (ADPIA) is an affiliate of ADP, LLC. All insurance products will be offered and sold only through Automatic Data Processing Insurance Agency, Inc., its licensed agents or its licensed insurance partners; 1 ADP Blvd., Roseland, NJ 07068. CA license #0D04044. Licensed in 50 states. Certain services may not be available in all states.

**ADP's Pay-by-Pay® is available to clients who have purchased workers’ compensation insurance through ADPIA with participating carriers and who use RUN Powered by ADP® payroll through ADP.

***State fees and mandatory state assessments may still apply.

****While premium deposits may be eliminated by most carriers, mandatory state assessment fees may be required in some states.

*****Certificates of insurance are available for ADP clients who purchase workers’ compensation through ADPIA and use the RUN Powered by ADP® payroll service. Excludes waivers of subrogation or any other special requirements that may be needed in a certificate of insurance. You must contact ADPIA’s client services if your certificate request includes a waiver of subrogation. Additional fees may apply.