Easy Small Business Workers’ Compensation

Workers’ compensation can be a major hurdle for small business owners. Many states require it, but cost and administrative complexity often put coverage out of reach—especially for sole proprietors, independent contractors, and micro-businesses with minimal payroll.

Easy Small Business Workers’ Compensation from SolePro

SolePro helps agents and brokers place affordable workers’ compensation for micro and small businesses that struggle to find traditional options. The program is built for fast placement: you can quote, sign, bind, and pay through SolePro’s online platform. Whether your client only needs a certificate of insurance to win a contract or needs a tailored policy for a small payroll, SolePro’s options reduce friction and avoid unnecessary Assigned Risk placements.

Ideal Accounts and Appetite

This program is designed for a range of small-business accounts, including:

• Sole proprietors and one-person LLCs (with or without owners included)
• Independent contractors who need a COI
• Very small businesses with 1–5 employees
• Startups and new ventures with limited payroll history

Restrictions: Any business that regularly uses subcontractors or day laborers is not eligible for this program.

Coverage Options and Highlights

SolePro offers three straightforward coverage options to match client needs and budgets:

• Minimum-premium workers’ comp for businesses with no employees
• Owner/sole proprietor is excluded from coverage
• Includes a 24-hour accident policy
• Fast online application — sign, bind, and pay in minutes

• Affordable workers’ comp for businesses with no employees
• Owner is included in coverage
• Optional accident policy
• Direct bill and payment plans available

• Flexible workers’ comp for businesses with employees
• Owners may be included or excluded by choice
• Employees are automatically covered
• Optional accident policy
• Direct bill and payment plans available

Why Agents and Brokers Use SolePro

SolePro’s platform and underwriting focus make it easier to place small, difficult-to-place accounts. Key advantages:

• Streamlined online quoting and binding — reduces turnaround time
• Stable programs aimed at reducing mid-term audits and frequent carrier changes
• Access to both admitted and non-admitted capacity depending on the state
• Underwriting specialists experienced in micro-business risk profiles

Underwriting Notes and Minimum Premium

Programs start at a minimum premium of $750. Underwriting is designed for speed: many simple accounts can be quoted and bound quickly via the SolePro portal. Coverage placement (admitted vs. non-admitted) varies by state and is determined during the quote process.

Example Accounts That Fit

• A freelance photographer who needs a COI to contract with a venue and has no employees — Solo I or Solo X may provide the needed documentation without costly excess premium.
• A new café with two employees looking for stable, entry-level workers’ comp and flexible billing — the Plus option can include employees and offer payment-plan options.

States Where Coverage Is Available

SolePro’s Small Business Workers’ Compensation program is currently offered in the following jurisdictions:

AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI

Get Started

To learn more, reach out to SolePro or become an appointed agent today.