- Legal name, FEIN, and entity type
- Description of operations
- Payroll by job type and state
- Number of employees, full and part time
- Owners and whether they will be included
- Subcontractor costs and certificates
- Prior carrier loss runs
- Current experience mod, if any
- Desired effective date
Frequently asked questions
Do I need loss runs?
If previously insured, yes.
How far ahead should I apply?
Several weeks before you need coverage, if possible.
Is a quote a binder?
No. A quote is not a binder.
More coverage and guides
- Workers' compensation insurance
- Employers' liability
- Class codes and payroll
- Certificates and compliance
- Multi-state payroll
- Lower-hazard employer classes
- Class codes by industry
- Experience mods explained
- Return-to-work programs
- Premium audits
- Application checklist
Last updated October 15, 2026 · How we research