WorkReadyWorkers' Comp

Workers' comp for employers

The lowest workers’ comp rate the market will give you.

WorkReady is the workers' compensation desk of Vanguard Insurance Group. We confirm your class codes, read which carriers are writing them in your state, and put every quote on one page so you can pick.

Call (866) 628-9441 Email for a quote

Licensed in all 50 states. Quotes by phone and email, Monday to Friday.

All 50 statesLicensed nationwide. We quote accounts by phone and email.
Codes checked firstMisclassified payroll is the top cause of overpaying and surprise audit bills.
You pickPremium, payment plan and carrier requirements, side by side.

How we find your rate

We read the market before we quote it.

Workers' comp pricing is not one number. Every carrier files its own rates by state and class code, and every carrier has classes it wants and classes it won’t touch. The rate you get depends on hitting the right carrier with the right submission.

  1. 1

    Market analysis

    Our market data tracks which carriers are actively writing your class codes in your state and the premium range they are quoting, so we start with the carriers most likely to come in low.

  2. 2

    Class codes checked first

    Misclassified payroll is the most common reason an employer overpays or gets a surprise bill at audit. We confirm your codes before anything is submitted.

  3. 3

    Side-by-side quotes

    You see every option on one page with the premium, payment plan and what each carrier needs from you. You pick. We bind and issue your certificates.

WorkReady Market WatchCarrier appetite · filed rates · premium range
Illustrative · sample data
Market read · one class, one state UpDownAvg
Appetite boardSample
CARRIER AWRITING
CARRIER BWRITING
CARRIER CSELECTIVE
CARRIER DSELECTIVE
CARRIER EDECLINING
CARRIER FDECLINING
Quote vs. typical rangeIllustrative
Q1 Q2 Q3 HIGH
LOWERTYPICALHIGHER
What this shows. The kind of read we take on every account: who is writing your codes, how filed rates move, and where a quote sits against what similar employers pay. Charts here are illustrative sample data, not live rates or filings. Your actual quotes come from the carriers.

The WorkReady app

Your policy, in your pocket.

The WorkReady client app puts your workers' comp account in one place. Start a quote, see your coverage, get certificates and reach your agent without waiting on hold.

  • Start a quoteTell us about your business, your states and your payroll, and a licensed agent takes it from there.
  • See and change your policyCoverage, carrier, policy dates and payment plan in one view. Ask for a change and your agent reviews it.
  • Get certificatesAsk for a certificate of insurance for a job and have it sent where it needs to go.
  • Reach your agentMessage or call the licensed agent on your account.

Coming soon. The app is not in the app stores yet. Until it is, everything above is one call or email away: (866) 628-9441 or contact@vigagency.com.

A worker in a yellow hard hat on a job site

Illustrative design preview, not a live screen

Talk to a person

Licensed agents. One office. Every state.

WorkReady is a product of Vanguard Insurance Group. We are licensed in all 50 states and quote accounts nationwide by phone and email.

Phone
(866) 628-9441
Email
contact@vigagency.com
Hours
Monday to Friday, Eastern business hours