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Whether businesses have one employee or hundreds, they all need workers' compensation insurance to comply with state laws and to make sure they are covered for losses if an employee is injured on the job. Sagamore Insurance Company offers a workers' compensation program tailored for certain types of small businesses.

Sagamore's Small Business Workers' Compensation program offers custom loss prevention services and expert claims handlers. We have proprietary rates available only to eligible small businesses, which include single-state businesses in Indiana and Missouri with less than $125,000 in annual premium. Additionally, insureds must operate in the class codes listed here and have an experience modification less than or equal to 1.25 or not yet qualify for an experience modifier.

We offer multiple premium discounts exclusive to small businesses, as well as flexible and convenient direct billing options on a monthly, quarterly, semiannual or annual schedule. Payments can be made online through our secure payment service with Visa, MasterCard, Discover, American Express or electronic funds transfer.

Sagamore offers 24-hour claims service and internal nurse case managers who provide an immediate response and assistance in the unfortunate event of a claim. Our claims staff will offer guidance on the most efficient and effective methods of treatment, assisting the employees in an expedient return to work.

For Agents

As an agent, it is easy to write with Sagamore, rated A+ (Superior) by A.M. Best. We offer immediate online premium indications*, quick binding and superior customer service. There is no minimum volume requirement and our commission percentages are among the best in the industry. As a Sagamore agent, you get the benefit of working directly with the company. No wholesale brokerage is needed.

Call 800-522-1610 to receive a workers' compensation quote today!

To contract with Sagamore, download and fill out the following forms:
Agency Questionnaire
Background Check Release Form

Return completed forms to SBWCUnderwriting@sagamoreinsurance.com.

*Agents must have a contract for Sagamore Small Business Workers' Compensation to receive indications.

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