Workers' Comp Made Simple — For Every Business, Any Size
- We know your time is better spent running your business — not chasing paperwork. That's why we make workers' comp simple, fast, and flexible. With instant quotes and same-day certificates in most cases, you get covered without slowing down.
Why Covella
Simple & Flexible
- No employees required to qualify
- Short-term or ongoing coverage
- Pay-as-you-go, no hidden costs
Built for Every Business
- Perfect for start-ups and small teams
- Coverage for high-risk industries
- Designed for construction, trucking, restaurants & more
Fast & Hassle-Free
- Get a custom rate in minutes
- Paperwork kept to a minimum
- Digital proof of coverage delivered instantly
Getting Started is Easier Than You Think
01
Fill out the Appetite Check Form
02
Get a Call + Instant Quotes
03
Choose the Right Plan
04
Sign Electronically & Get Covered
Who Needs Workers' Compensation Insurance?
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Nearly every business owner needs workers' compensation insurance. Whether you have a team of 50 or you're a sole proprietor working with subcontractors, protecting yourself and your workers is critical. Most states require coverage once you hire employees, but even if you don't have staff yet, getting covered can protect you from costly claims and keep your business compliant.
From construction and trucking to restaurants and retail, Covella covers a wide range of industries — including high-risk sectors often turned away by traditional insurers.
What People Say About Us
- "Covella made getting workers' comp coverage so easy. I got my quote in minutes and had my certificate the same day. No hassle, no runaround — just simple, professional service."
- Michael R.
- General Contractor
- "As a small restaurant owner, I didn't think I could afford workers' comp. Covella's pay-as-you-go option was perfect for my budget, and the team walked me through everything."
- Sarah T.
- Restaurant Owner
- "I've been in trucking for 15 years and this is the first time an insurance company actually made the process easy. Quick quotes, fair prices, and real people who care."
- James L.
- Trucking Company
FAQs
Workers' compensation insurance provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured or becomes ill due to their job. It also protects employers from lawsuits related to workplace injuries.
It depends on your state and industry. Many states don't require sole proprietors to carry coverage, but it's often a smart choice — especially if you work in construction, trucking, or other high-risk fields. Plus, many general contractors require proof of coverage before you can work on a job site.
The cost varies based on your industry, payroll, location, and claims history. With Covella, you'll get a custom quote in minutes based on your specific business needs. We also offer flexible pay-as-you-go options to help manage cash flow.
Absolutely. Covella specializes in providing coverage for industries that other insurers often decline — including construction, roofing, trucking, tree trimming, and more. We understand the unique risks your business faces.
In most cases, you can receive your certificate of insurance the same day you purchase your policy. Once you complete the application and payment, we'll send your digital certificate instantly so you can get to work without delay.
Ready to Get Covered?
- Get a custom quote today and start your coverage in minutes.
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- Professional Insurance Solutions
- 1-800-COVELLA
- info@covella.com
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