Top Workers’ Compensation Insurance Companies in the USA (PART 1)

At the end of this article, the carriers that offered the best overall service to brokers will be revealed.


In a recent discussion, industry expert Carol Murphy from HUB International highlights the key qualities of top workers’ compensation providers in 2024. These providers prioritize empathy, consistency, and customer satisfaction. They offer nationwide coverage, handle claims with empathy, maintain low turnover among claims adjusters, and invest in technology. Ultimately, their focus is on providing unwavering support and value to clients, ensuring they make a positive impact on people’s lives.

AmTrust Financial Services

AmTrust Financial Services is a niche specialty property and casualty insurance company with more than 6,000 employees worldwide. It has grown to become an industry-leading insurance provider, focusing on small business insurance solutions including workers’ compensation, business owner’s policy, package, cyber, and employment practices liability insurance. AmTrust is the third largest writer of workers’ compensation insurance in the United States. AmTrust is also a top warranty writer in the United States and helps international businesses manage a number of risks such as medical malpractice, professional indemnity, property, legal, and health. AmTrust currently has a financial strength rating of “A-” (excellent) with a stable outlook and a financial size of “XV” by AM Best.

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AIG, or American International Group, is a seasoned insurance giant based in New York City, serving customers globally since 1919. Offering a wide range of insurance and financial services across 80+ countries, it’s like a reliable guardian shielding individuals, families, and businesses from life’s uncertainties.

Renowned for its expertise in handling complex risks, AIG specializes in providing solutions for large-scale enterprises, navigating challenges like a seasoned captain. Despite past hurdles, such as the 2008 financial crisis, AIG has emerged stronger, restructuring to ensure stability.

Today, AIG remains a trusted leader in the industry, known for its global reach, innovative offerings, and commitment to customer satisfaction. It’s not just an insurance company—it’s a guardian angel, providing peace of mind worldwide.


Applied Underwriters

Is an insurance company specializing in workers’ compensation insurance and related products and services. Founded in 1994 and headquartered in Omaha, Nebraska, Applied Underwriters has grown to become a prominent player in the insurance industry.

The company offers innovative solutions designed to help businesses effectively manage their workers’ compensation risks. This includes a range of insurance products tailored to the needs of various industries, as well as risk management services and technology-driven solutions.

Applied Underwriters is known for its emphasis on underwriting expertise, risk management, and customer service. It aims to provide comprehensive insurance solutions that address the unique challenges faced by businesses in today’s evolving marketplace.

In addition to its core workers’ compensation offerings, Applied Underwriters also provides insurance solutions for other lines of business, such as general liability and commercial auto insurance.

Overall, Applied Underwriters is recognized for its commitment to excellence, innovation, and customer satisfaction in the insurance industry. Through its tailored solutions and focus on risk management, the company aims to help businesses thrive while effectively managing their insurance needs.

Auto-Owners Insurance

Is a mutual insurance company headquartered in Lansing, Michigan. Established in 1916, it has grown to become one of the largest property and casualty insurance companies in the United States.

Auto-Owners offers a wide range of insurance products, including auto insurance, home insurance, life insurance, and business insurance. It serves individuals, families, and businesses across 26 states through a network of independent agents.

Known for its strong financial stability and customer service, Auto-Owners has consistently received high ratings from independent insurance rating agencies such as A.M. Best and J.D. Power. The company prides itself on its personalized approach to insurance, emphasizing trust, integrity, and reliability in its interactions with policyholders.

Overall, Auto-Owners Insurance is recognized for its commitment to providing quality coverage and service to its customers, earning a reputation as a trusted insurance provider in the industry.


 Is a leading provider of workers’ compensation insurance solutions. Established in 2006 and headquartered in Woodbridge, Virginia, BerkleyNet offers innovative, technology-driven insurance products and services tailored to the needs of businesses.

The company specializes in providing workers’ compensation insurance to small and mid-sized businesses across a wide range of industries. BerkleyNet’s approach combines advanced technology with expert underwriting to deliver efficient and cost-effective insurance solutions to its customers.

Known for its commitment to customer service and excellence, BerkleyNet has earned a reputation as a trusted partner for businesses seeking comprehensive workers’ compensation coverage. With a focus on innovation and reliability, the company continues to expand its presence in the insurance industry, providing valuable support to businesses nationwide.

Employers Group, Inc.

Commonly known as EMPLOYERS, is a specialty provider of workers’ compensation insurance based in Reno, Nevada. Founded in 2000, EMPLOYERS has established itself as a leading insurer for small and medium-sized businesses across the United States.

The company offers a range of workers’ compensation insurance products and services designed to meet the unique needs of its policyholders. These include coverage for workplace injuries, occupational illnesses, and related medical expenses, as well as risk management solutions to help businesses minimize workplace accidents and control insurance costs.

EMPLOYERS is known for its focus on delivering personalized service and support to its policyholders, as well as its commitment to innovation and technology in the insurance industry. The company’s experienced team of underwriters and claims professionals works closely with businesses to provide customized insurance solutions and responsive claims handling.

With its dedication to customer service excellence and risk management expertise, EMPLOYERS has earned a strong reputation as a trusted partner for businesses seeking reliable workers’ compensation insurance coverage.

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