What workers compensation insurance covers
Workers' compensation insurance helps pay for medical bills and lost wages when an employee gets hurt or sick because of their job. Most states require employers to carry it. Salaris Payroll has partnered with ERGO NEXT Insurance (formerly NEXT Insurance) to provide workers compensation insurance. A policy from ERGO NEXT typically includes employers liability coverage, which can help with legal costs if an employee sues over a work-related injury or illness.
How to get workers compensation insurance through Salaris Payroll
To get workers' compensation insurance through Salaris Payroll:
Contact Salaris Payroll support by live chat or email
Tell support you want to add workers' compensation insurance
Open the referral link that Salaris Payroll support sends you
Complete your application on the ERGO NEXT website
Review your quote and buy your policy online
ERGO NEXT bills you directly for your workers' compensation premium. You manage your policy, bill, and claims with ERGO NEXT.
How much workers compensation costs
Workers' compensation insurance through ERGO NEXT starts at $14 per month. About half of ERGO NEXT customers (49%) pay between $14 and $75 per month. Restaurants and food businesses pay about $130 per month on average, because of kitchen hazards like burns and cuts.
Your exact price depends on:
The type of work your employees do
Your number of employees and your payroll
Your state
How long you have been in business
Your claims history
The coverage limits you choose
ERGO NEXT shows your exact price in your quote. The online application takes about 10 minutes.
Workers Comp FAQs
Is workers' compensation insurance required for my restaurant?
Most states require employers to carry workers' compensation insurance for employees. The rules vary by state. A few states, called monopolistic states, require you to buy coverage through a state fund instead of a private insurer such as ERGO NEXT.
I did not receive a workers comp referral link
Contact Salaris Payroll support by live chat or email and ask again for the workers' compensation referral link.
Why is my workers' compensation premium different from the average?
The averages are based on all ERGO NEXT customers in a type of business. Your premium reflects your own state, payroll, employee roles, and claims history.
Is workers' compensation insurance available in my state?
ERGO NEXT workers' compensation insurance is not available in all states. Coverage is subject to underwriting, so not every applicant qualifies.
Who do I contact about my workers' compensation policy or bill?
Contact ERGO NEXT through their Help Center. Their chat support is open Monday to Friday, 8 a.m. to 5 p.m. Central Time.
How do I file a workers' compensation claim?
File claims with ERGO NEXT on their File a Claim page.