The leading source of information on Workers’ Comp Insurance is the National Council on Compensation Insurance (NCCI).
They are an independent advisory organization in the industry. According to their website the NCCI, “gathers data, analyzes industry trends, and provides objective insurance rate and loss cost recommendations.” Their data consists of more than four million workers compensation claims and two million policies. There are many tools on their website to explore to obtain the best rates you are looking for based on your years in business and coverage history among other factors. Among those tools is the Basic Manual provide each state’s workers’ comp class codes which is vital. The Experience Rating Manual which explains how rates may be modified based on type of employment.
Your States workers’ comp website should provide a variety of local brokers which can assist you as well. In a few states, however, you need to buy it exclusively through the state government. You can also use a private insurance company. Some leading companies include Travelers Group, The Hartford Insurance Group, Liberty Mutual and AIG.