CompWerks: Your Online Quote Calculator

Spend five minutes and save 20% or more on your workers’ compensation premium.

Finding a new workers’ compensation policy doesn’t have to be a hassle. You can get a quote and request your new policy in just five minutes. With CompWerks, it’s really that easy.

How Our Workers’ Comp Calculator Works

Have you ever spent hours filling out complicated paperwork just so you could get a simple workers’ compensation quote? With the CompWerks online calculator from Southpoint Insurance, you never have to wait more than a few minutes. And with our innovative quoting tool, spending less time often means more money in your pocket.

How does it work?

  1. You share a few details about your business, such as your industry, company name, and the type of work you do.
  2. You answer some quick questions about your employees and their roles.
  3. Within a few minutes, you get a new workers’ compensation quote.
  4. You can request a policy right then and there or give us a call to receive personalized support from one of our team members.

When you receive a CompWerks quote, you can be confident that it comes from a reputable company. Our quotes are backed by two trusted insurance carriers with an excellent financial rating: Accident Fund Insurance Company of America and CompWest Insurance Company. Plus, when you choose a CompWerks quote, you always have a team of experts at Southpoint available to answer questions or adjust your policy.

smiling man with arm sling and neck brace shaking claim adjuster's hand

Benefits of Our Online Workers’ Compensation Premium Calculator

CompWerks is for everyone. Whether you’re curious about what’s out there or you’re in the market for a new policy, our workers’ comp calculator can help. You can even use our online quoting tool to see if your current agent is getting you the best deal—no strings attached. We won’t pressure you into switching agencies or charge you for looking, but we’d love to become your new agent if you need one.

Why is CompWerks such a great tool for any business owner? It’s fast, flexible, and 100% free.


Southpoint understands that you don’t have much wiggle room in your schedule as a small business owner. You can’t afford to waste hours going back and forth with your insurance agency. That’s why we created CompWerks.

Whether you choose to use our quoting tool during your lunch break or between meetings, you only need to block out a few minutes. After answering a few questions, you receive a genuine, purchasable quote from our automated system.


Once a loss control consultant determines the hazards present in your workplace, they give suggestions on reducing or removing hazards and improving your workplace safety. After the inspection, they will often follow up to ensure you have reduced or eliminated the identified risks. Depending on the severity of hazards, some business owners can see an immediate reduction in workplace injuries. Insurance companies account for claims frequency when determining your policy cost, so a safer workplace equals a reduction in premium.


With a quoting process so fast and painless, there has to be a catch, right? Wrong. We don’t charge you a penny to use CompWerks. Southpoint receives compensation from carriers after our clients purchase a new policy, and we never add hidden costs to your quote.

Other online quoting tools claim to be free, but you pay in other ways. Those tools share your information, leaving you to deal with annoying calls and emails. With CompWerks, you don’t have to worry—Southpoint doesn’t share your contact information with anyone else.

Spend Less Time, Get Better Coverage

You shouldn’t have to spend an entire business day filling out forms to get a workers’ compensation quote. Skip the unnecessary steps and get the affordable quote you’re looking for with CompWerks.

Do You Need Workers’ Compensation Coverage?

Regardless of your location, company size, or employee count, you probably need workers’ compensation coverage. In most states, workers’ compensation law mandates that employers purchase insurance. Texas is the only exception, but some states offer exemptions for very small companies.

Even if you aren’t required to carry workers’ compensation coverage by law, we recommend purchasing coverage. Your workers’ compensation policy ensures that your employees don’t suffer severe financial loss after an accident. In most cases, it also prevents employees from suing your company following a workplace illness or injury.

construction worker supporting injured coworker after a fall

How Is Workers’ Comp Calculated?

Have you ever wondered why your workers’ compensation carrier needs so much information about your business? Your workers’ comp rates are calculated based on your employees’ roles and salaries and your claim history.

Classification Rates

Most states use classification rates determined by the National Council on Compensation Insurance (NCCI), which assign risk percentages to common job types. For example, desk workers have a lower classification rate than construction workers because laborers are more likely to get injured on the job. Business owners in high-risk industries typically spend more for workers’ comp premiums as a result.

Insurance companies multiply your employees’ payroll by their classification rate to calculate your premium. Then, they adjust your costs based on your experience modification rate.

Experience Modification Rates

Your claim frequency also affects workers’ compensation insurance costs. If you have fewer workers’ compensation claims than similar businesses in your area, you get a discount on your premium. This discount is known as an experience modification rate (EMR), which insurance companies calculate based on your actual versus projected claims.

Because your claim history affects the price of your workers’ compensation coverage, it’s important to work with an insurance agency to reduce workplace accidents. At Southpoint, we offer loss control services that help you reduce workers’ comp insurance costs and improve your safety record.

Fee and Credits

Depending on your company’s location, you may pay fees for your state’s workers’ compensation funds. Some insurance companies also offer policy credits for companies that implement safety measures. If you’re not sure whether you’re eligible for credits or other policy discounts, give us a call.

Our online quoting tool factors in classification rates, potential credits, and fees, so you know exactly what you can expect to pay for your premium. Plus, our team can help explain your quote if you’re unsure about any charges. We want you to feel confident in your coverage, and we’ll do anything we can to make sure that’s the case.

What You Get With a CompWerks Quote

A quote from CompWerks isn’t any ordinary workers’ compensation quote. When you choose one of our policies, you get a range of perks, from excellent service to free ThinkHR access.

Carrier Confidence

Unless you’re an insurance expert, you probably don’t know which workers’ compensation carriers offer the best coverage in your state. With CompWerks, you don’t have to do any research or worry about your insurance company’s financial strength. We only provide quotes from two of our most trusted affiliate partners.

Support From Our Experts

Southpoint understands that insurance is complicated. That’s why our team members are here to answer questions, explain your quote, and help you file insurance claims. When you’re confused about your coverage, concerned about a workplace accident, or ready to change your policy, all you have to do is pick up the phone. 

One Free Year of ThinkHR Access

Getting a workers’ compensation policy is only the first step in protecting your business and employees. It’s also crucial to proactively manage your risk and address potential issues as they occur. Insurance and risk management go hand-in-hand, which is why Southpoint gives CompWerks clients a full year of free access to ThinkHR.

Ready To Reduce Workers’ Comp Costs?

If you’re tired of workers’ compensation premiums going up year after year, it’s time for a change. Instead of settling for the policy you have, spend an extra five minutes today to see what you could get from Southpoint. Many of our CompWerks clients saved 20% or more on their workers’ compensation costs after switching to us, and you could too.

There’s no reason not to see what else is out there—it’s quick, free, and you can walk away if we can’t save you money. Chances are, we can save you money and get you better coverage in the process, and it only takes a few minutes to see if that’s the case.

Stop assuming you’re getting the best coverage and know for sure by getting your CompWerks quote. A few minutes could save you hundreds of dollars on your coverage.

Start Saving Money With CompWerks Today

Have a few minutes to spare? Check out CompWerks and see how easy it is to get a workers’ compensation quote. If you’re ready to get covered, you can click a button and request a policy today—no phone calls or paperwork required.

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