Review your state requirements, then decide which employees need coverage.
Evaluate the gross annual payroll of every worker to determine the total amount which their workers’ compensation policy should cover.
Shop around for an agency licensed to sell business insurance in your state. If you run a small business, find a carrier that specializes in workers’ compensation for small businesses.
Get a policy quote from the insurer, which can usually be done through its company website. Be prepared to share your EIN and payroll numbers.