Workers' comp that's actuallyclearclassified rightyoursfairclear
Workers' comp is required the day you hire your first employee, and the class code matters more than the rate. We get the classification right, shop 20+ carriers, and explain the experience mod in plain English.
Workers' comp, line by line.
What a comp policy covers, and the levers that actually move the price.
| Coverage | What it covers | Good to know |
|---|---|---|
| Medical benefits | Treatment for a work-related injury or illness | No deductible to the injured employee |
| Lost wages | A portion of pay while an employee recovers | Set by Kansas and Missouri statute |
| Disability | Benefits for lasting partial or total disability | The piece that drives larger claims |
| Employer's liability | Suits that fall outside the comp system | The often-overlooked second half of the policy |
| Class codes | How each role is rated for risk | Misclassification is the most common overcharge |
| Experience modifier | A multiplier on your premium from claim history | Below 1.0 saves you, above 1.0 costs you |
Getting the class codes right is where we save clients the most. We audit them before we quote.
Paying too much for comp? Send us the policy and we will audit your class codes, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Workers' comp, answered.
The questions employers ask before they place comp.
In most cases the day you hire your first employee in Kansas or Missouri. The thresholds differ slightly by state and by entity type, and we confirm exactly when it applies to you.
Your premium is built on class codes that rate each role's risk. A misclassified clerical worker rated as a laborer can overcharge you for years. We audit the codes before quoting.
It is a multiplier on your premium based on your claim history compared to similar businesses. Below 1.0 lowers your cost, above 1.0 raises it. We help you understand and improve it.
It depends on your entity and your role. Owners and officers can sometimes be excluded, which lowers premium, but that is a real coverage decision. We walk through the tradeoff.
Most commercial quotes are back within 48 business hours once we have your payroll and class details. We reply to any question within 2 business hours.
Ready when you are
Send us your current comp policy. We will audit the class codes and shop it, free.
Comp usually sits with
General liability
Comp covers your people, GL covers outsiders. Most businesses carry both.
Explore GLCommercial auto
If employees drive for work, their vehicles need their own policy.
Explore commercial auto