Insurance For the Bold and Badass.

Cerity gives small business owners what big insurance can’t: low-cost, month-to-month protection with no sneaky fees.

img Serene Z.

Owner, Sezi Catering Cerity customer since April 2019

SeleneWebReady
Rethink your business insurance.

We cover hundreds of industries, including Janitorial, Mental Health, Network Installation, Restaurants and Business Consultants.

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You’re Not a Giant Organization. Why Buy Insurance From One?

As a small business, you need simplicity, transparency, and flexibility– things big insurance companies simply can’t deliver (or even understand). That’s why we channeled 100 years of industry experience to redesign insurance for the sole benefits of small biz.

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The Price is Right for Small Biz.

Pay month-to-month and cancel anytime. No cumbersome contracts. Same day certificate of insurance.
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Business owners’ PolicY

The essential coverage for any business

Starting at

$20 per month

Protect Your Biz
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Workers’ Comp Insurance

The must-have for businesses with employees

Starting at

$20 per month

insure your team

Not sure what coverage you really need? We’ll tell ya.

(844) 423-7489

Know Exactly where your hard-earned money is going.

  • One flat fee covers everything (you’ll never get a surprise bill)

  • Your money pays for claims, paid out super fast

  • Any funds left over go back to you in the form of lower premiums next year

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small business owners are big fans.

It was quick, easy and hassle- free to get the online quote and buy the policy online. At one point, I had a question and their response was immediate.

imgSerene ZiCornell

It was quick, easy and hassle- free to get the online quote and buy the policy online. At one point, I had a question and their response was immediate.

imgSerene ZiCornell

It was quick, easy and hassle- free to get the online quote and buy the policy online. At one point, I had a question and their response was immediate.

imgSerene ZiCornell

It was quick, easy and hassle- free to get the online quote and buy the policy online. At one point, I had a question and their response was immediate.

imgSerene ZiCornell

It was quick, easy and hassle- free to get the online quote and buy the policy online. At one point, I had a question and their response was immediate.

imgSerene ZiCornell

It was quick, easy and hassle- free to get the online quote and buy the policy online. At one point, I had a question and their response was immediate.

imgSerene ZiCornell
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Get complete protection for your business baby.

It only takes a few minutes, whether you’re already covered or just getting started.

Get INSTANT QUOTE

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Why does your business need workers’ comp insurance?
  • Fast quotes and same-day certificates of insurance
  • Low, affordable rates with no hidden fees
  • Subscription style, month-to-month payments you can cancel any time (no contracts)
  • Coverage for lost wages and more
  • Transparent policies written in plain English
  • A pay-as-you-go option that shifts according to your current payroll
  • A supportive team including registered nurses on call 24/7

None of us go about our work days expecting the worst to happen, but occasional accidents are inevitable. In fact, the National Safety Council reports that workplace accidents happen every 7 seconds. When employers buy workers’ comp insurance that is simple, straightforward, and comprehensive, they drastically limit the ramifications of injuries and illnesses that occur within the course of the work.

Worried about the cost of workers’ comp coverage? Having workers’ compensation insurance can pay for itself in the event that an employee is injured on the job, because workers’ comp policy premiums are typically significantly lower than the costs associated with covering medical expenses, lost wages, and other work injury-related expenses.

While the laws vary between states, most states require all employers, including small business owners, to have workers’ compensation insurance. Workers’ comp insurance covers all employees, even in states where employers are not required to have workers’ comp insurance because most employers still choose to obtain it to protect their business. Workers’ comp insurance can protect all kinds of businesses including accountants, bars, consultants, fitness, healthcare, restaurants, small business, therapists, architects, home-based businesses, independent contractors, lawyers, LLCs, massage businesses, nail salons, personal trainers, pet sitting businesses, photographers, cosmetology, engineering, estheticians, event planners, beauty, catering, cleaning, food and beverage, medical, offices, retail, and services.

We currently provide workers’ comp insurance to business owners in 42 states, including:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Lousiana, Maine, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington D.C., West Virginia, Wisconsin.

Read more about the ins and outs of workers’ comp insurance on our blog post titled What is workers’ comp insurance? in our Learning Center.

Why does your business need general liability insurance?

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What does Workers’ Comp Insurance cover?

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Why do I need Workers’ Comp Insurance?

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