Workers' comp insurance, shopped across 20+ carriers
Workers' compensation insurance pays medical expenses, lost wages, and rehabilitation costs for employees injured or made ill by their work, provides death benefits to dependents, and protects employers from civil lawsuits by injured employees.
- 20+ carriers compared
- Licensed in 5 states
- Local Las Vegas agents
- No-obligation quote
Affordable workers' comp insurance in NV, AZ, UT, TX & OH
Employers in NV, TX, OH, UT, or AZ with one or more employees. Coverage is mandatory in NV, OH, UT, and AZ once a business has at least one employee. Texas is the only state where most private employers may legally opt out ('non-subscribers'), though doing so forfeits key tort defenses.
As a local broker with access to 20+ carriers, Liberty Choice does the shopping for you and brings back a competitive rate you qualify for — across all five states we’re licensed in.
At a glance
Workers' comp insurance at a glance
- Mandatory in NV, AZ, UT, and OH from the first employee. Nevada, Arizona, Utah, and Ohio all require workers' compensation coverage the moment you hire even one employee; failure to carry it exposes the employer to personal liability for all injury costs, plus state penalties and stop-work orders.
- Texas is the only LCI-served state where most employers can legally opt out. Texas permits most private employers to operate as 'non-subscribers,' but doing so eliminates the exclusive-remedy defense and opens the employer to full tort liability for injured workers; most employers with significant payroll still carry it.
- Ohio workers' comp is written through the state fund (BWC) or a qualifying self-insured program. Ohio employers cannot purchase workers' comp from a private carrier; coverage is obtained through the Ohio Bureau of Workers' Compensation (BWC) or by qualifying as a self-insured employer. Liberty Choice assists Ohio employers with BWC enrollment and classification.
- Premium is set by payroll, job classification, and experience modification. Workers' comp rates are applied per $100 of payroll; the rate is determined by job classification code (reflecting the risk of the work) and modified by your experience modification factor (EMR) based on your claims history.
Source: NCCI, "2025 in Sight, 2024 in Review: The Latest Results for Workers Compensation" (2025): U.S. workers' comp net written premium was $41.6 billion in 2024; the national average rate is approximately $1.03 per $100 of payroll; clerical workers carry rates near $0.25 per $100 while residential carpenters carry approximately $21 per $100. NCCI.com.
Coverage explained
What workers' comp insurance covers
The details
The parts of a workers' comp policy
| Coverage | What it covers | Typically |
|---|---|---|
| Medical benefits | All reasonable and necessary medical treatment for a covered work-related injury or illness | Required |
| Temporary total disability | A portion of lost wages while the employee is unable to work due to a covered injury | Required |
| Permanent partial disability | Compensation for permanent impairment that does not fully prevent the employee from working | Required |
| Permanent total disability | Long-term wage replacement for employees who cannot return to any gainful employment | Required |
| Death benefits | Burial costs and income replacement for dependents of an employee who dies from a work injury | Required |
| Employer's liability (Part 2) | Legal defense and damages if an employee sues beyond the workers' comp system | Required |
| Vocational rehabilitation (confirm) | Retraining or job placement assistance for workers unable to return to their prior occupation | Varies by state |
Requirements vary by state — your Liberty Choice agent confirms exactly what NV, AZ, UT, TX or OH requires.
How does workers' comp insurance work?
Workers' compensation insurance pays for medical care and a portion of lost wages for employees who are injured or become ill as a result of their job, regardless of who was at fault. In exchange, injured workers generally cannot sue the employer for negligence (the exclusive remedy doctrine). Premiums are calculated based on payroll, the type of work performed (job classification codes), and the employer's claims history (experience modification rate).
Pricing
What does workers' comp insurance cost?
Workers' comp premiums are driven by payroll, job classification, and experience modification. The ranges below are based on NCCI loss-cost data applicable to Nevada, Arizona, and Utah for 2025.
| Occupation risk category | Approximate rate per $100 of payroll |
|---|---|
| Low-hazard clerical / office | ~$0.25–$0.75 |
| Retail or light service | ~$0.75–$2.00 |
| Construction / carpentry / trades | ~$5.00–$21.00+ |
| Roofing / structural steel | ~$20.00–$40.00+ |
Rates are approximate NCCI loss-cost-derived averages before experience modification; actual rates vary by state, carrier, and classification code. Nevada and Arizona use NCCI loss costs; Utah uses a hybrid system; Ohio rates are set by the BWC. The national average rate is approximately $1.03 per $100 of payroll per NCCI's 2025 data.
Source: NCCI, "2025 in Sight, 2024 in Review: The Latest Results for Workers Compensation" (2025). NCCI.com. Ohio Bureau of Workers' Compensation (BWC), 2025 rate schedules. BWC.Ohio.gov.
Beyond the basics
Optional & additional coverage
Ask your agent about these add-ons for extra peace of mind:
Save more
Ways to save on workers' comp insurance
- Implement a documented workplace safety program. A formal OSHA-compliant safety program with documented training records is the single most effective way to reduce claim frequency and improve your experience modification factor (EMR) over time.
- Return-to-work programs reduce lost-time claim cost. Bringing injured workers back to modified duty as soon as medically feasible reduces indemnity (wage replacement) costs, which are a major driver of your EMR; a lower EMR means a lower premium at renewal.
- Classify employees accurately. Workers' comp premiums are payroll-rated by job code; employees miscategorized in a higher-risk code pay excessive premiums. Accurate classification saves money and reduces audit discrepancies.
- Audit your experience modification factor annually. EMR is calculated from three years of closed claims data; errors in the calculation are not uncommon. An independent EMR audit can identify errors that result in a premium overcharge.
- Bundle workers' comp with your BOP at the same carrier. Many carriers offer package discounts when workers' comp and the BOP are placed together; single-carrier relationships also simplify audit and renewal.
- Work with an independent agent who can market your risk competitively. Workers' comp is filed-rate in most states, but carrier eligibility, experience modification, and program access vary; Liberty Choice shops the market for Nevada, AZ, UT, and TX accounts. Call 702-742-6322.
Source: NCCI, "2025 in Sight, 2024 in Review" (2025): documented safety programs and return-to-work initiatives are the two most effective employer-controlled strategies for lowering EMR and, in turn, reducing workers' comp premiums. NCCI.com.
Questions
Workers' comp insurance FAQ
Can I buy workers' comp from any insurer in these states?
What happens to a Texas employer who opts out of workers' comp?
Do workers' comp benefits cover independent contractors?
How much does workers' compensation insurance cost?
Can I buy workers' comp from any insurer in Nevada, Arizona, Utah, or Texas?
What is an experience modification factor and how does it affect my premium?
More coverage