Accidents happen.
Make sure you and your team are covered.
No one can predict injury or illness at work, but we’ll help you prepare. At Gusto, workers’ comp enrollment is fast—and in many states, it’s the law.
How Gusto worksCreate account
American Canning,
Gusto customer
Gusto + NEXT Insurance
Enroll in minutes. Pay as you go.
Adding workers’ comp insurance through our partner NEXT Insurance is quick, easy, and won’t overburden your budget.
Apply online
Answer a few simple questions to get your policy. Talk to an agent if you need help.Sync your policy to payroll
NEXT Insurance integrates with Gusto to deduct the correct premium every payroll, saving time while reducing errors and simplifying audits.Ease your cash flow
Your premium is spread out over a year, with a portion paid every payroll. No down payments, installment fees, or year-end surprises.
An easier way to pay: Other traditional workers’ comp providers require a large down payment upfront. Not us.
Enter callout copy
Protect your business.
Safeguard your team.
Workers’ comp covers your team’s medical expenses and wage replacement if they’re injured at work, while also protecting you from legal liability.
Know your risk
Every 7 seconds, a worker is injured on the job.
Source: National Safety Council
The right experts at the right time.
NEXT Insurance’s team of licensed agents will keep you up to date on federal, state, and local requirements.
And if you need other coverage to keep your business safe, such as property and casualty insurance, they can help with that, too.
“[This] integration with Gusto is critical to streamlining our processes and helping us stay compliant.”
The people platform
Manage your growing
team, all in one place.
Behind every successful business is a thriving team. Hire, pay, insure, and
support your employees with Gusto’s all-in-one people platform.
Learn more
Frequently asked questions
Through our partner Next Insurance, we offer workers’ comp in all states where private policies are required. Check out the requirements for your state.
Once you’ve added your employees to Gusto, you can apply for a policy in just a few clicks. You’ll get an estimate instantly, plus a final quote in a day or two from our workers’ comp insurance partner, Next Insurance. Everything is done online, including digitally signing your policy.
Next Insurance automatically withdraws only the amount you owe each period based on your actual payroll. This can help you avoid lump sum payments at the beginning and end of the year.
Most states require you to have a workers’ comp policy. We’ll help you find a policy and calculate the premium payments.