Congratulations on getting appointed!

We are thrilled to have you as part of the team. Which of your client’s lives will you change today? Submit for your first quote by following these simple steps. As always, we’re on the journey with you and available to chat.
We aim to get you a quote within 24 hours. Here’s what we’ll need:
Copy of the most recent Accord Application
Five-year history of loss runs
Complete experience MOD worksheet
OSHA 300 and OSHA 300A logs

More than insurance, more than numbers.

We’re founded by agents with decades of high-risk industrial insurance experience who understand the most dangerous sounding industries can be operated in the safest and most professional manner.

The current paradigm keeps workers’ compensation subjective, unclear, and plain unfair. This needs to change— Our mission is to make sure that companies with a culture of safety pay fair rates.

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We serve industrial class businesses

Oil & gas
Energy
Street & Road Contractors
Trucking
Bridge Contractors
Concrete Construction
Iron or Steel Fabrication & Erection
Machine Shops
Machinery Erection
Masonry
Mobile Crane Hoisting
Pile Driving
Pipeline, Sewer & Gas
Main Construction
Plumbing, Electrical & HVAC
Sewer Construction

Insurate covers businesses across the US

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • Oklahoma
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • West Virginia
  • Virginia
  • Wisconsin

Select a State

How it works

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Safe-Tier™ Index (STI)

The STI is Insurate’s proprietary algorithm that scores companies by deeply analyzing historical rate and workers’ comp claim patterns using machine learning and predictive models. Our model allows us to identify trends and critical factors that influence the safety performance of individual companies.

We weigh those factors against data specific to each business which sets a score that estimates a company’s work comp risk profile, now and in the future.

Badlands Tank Lines

OMAHA,NEBRASKA

Insurate saved Badlands $200,000 on workers’ comp insurance.

What's the difference between Insurate’s workers' comp coverage and traditional workers' comp?
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We bring the same coverage as traditional workers’ comp, just different pricing.
Is Insurate guaranteed issue workers' comp?
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No, we provide coverage only to safe companies.
How is my STI score calculated and can it change?
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Our Safe-Tier is a blend of OSHA history & statistics and claims history. We also use a predictive score based on location and incident likelihood.
How is Insurate’s process different from traditional workers' comp?
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We look at each customer holistically and give fair pricing based on how that customer conducts their business, not what business they do.
What carriers does Insurate work with and what are their ratings?
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We work with a host of national carriers such as Key Risk, AmTrust, and others.
Is Insurate an insurance company?
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We’re a different type of wholesaler that works directly with our underwriters to develop quotes that are exclusive to Insurate.
Can I buy directly through Insurate or do I need to work with my agent?
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We value the consultative nature of agents and sell directly through them.
I'm an agent and want to offer Insurate to my clients, what do I need to do?
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You simply need to get appointed. For more details click here.
Why is my Insurate premium so much lower than my existing workers' comp premium?
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Our STI score is based on transparent data about how safe your business operates. This score helps inform your fairly priced premium.
What states is Insurate available in?
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Alabama
Arizona
Arkansas
Colorado
Connecticut
Delaware
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
Oklahoma
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
West Virginia
What Industries does Insurate focus on? What if my or my client’s Industry isn’t one of those?
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The only qualifications are that you have more than 20 employees. However, customers that are in industrialized areas will see greater savings because our data is centered on those types of businesses.
How does Insurate verify its savings claim?
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We’ve analyzed nearly 13.1 million companies and have several case studies that can be seen here.
What size does my company need to be to use Insurate?
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You just need 20 or more employees and have operated for at least 3 years. 
Is Insurate a public or privately owned company?
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We’re a privately held company.
How long has Insurate been around?
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We were established in 2019 with our founders having over 20 years of insurance experience.
What Industries does Insurate focus on? What if my or my client’s Industry isn’t one of those?
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The only qualifications are that you have more than 20 employees. However, customers that are in industrialized areas will see greater savings because our data is centered on those types of businesses.