Cerity
Cerity is a digital-first workers' compensation insurance provider that sells affordable, same-day policies directly to U.S. small businesses and independent contractors in 46 states under Employers Holdings, Inc.
- Company typePrivate
- Founded2018
- HeadquartersAustin, United States
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Cerity does
Cerity is a digital-first workers' compensation insurance provider focused exclusively on small businesses and independent contractors in the United States. Operating as the consumer-facing brand of Cerity Services, Inc., a subsidiary of Employers Holdings, Inc., the company issues policies through affiliated A.M. Best A-rated carriers (Employers Compensation Insurance Company, Employers Preferred Insurance Company, and Employers Assurance Company) and is licensed in 46 states. Its product set consists of a core Workers' Compensation Insurance policy covering workplace injury medical expenses, lost wages, disability, and death benefits, plus a Workers' Comp Ghost Policy designed for independent contractors who need proof of coverage without employees. A registered trademark program protects the Cerity and Cerity Insurance brands in the U.S.
The company's underlying technology is a proprietary digital platform centered on an online quote tool that delivers approximately three-minute quoting and same-day policy issuance, removing broker and phone-based touchpoints from the SMB purchase path. Premium calculation is performed in-house using payroll, geographic, industry-classification, and claims-history inputs, and policies are underwritten on the parent group's balance sheet. Distribution is direct-to-consumer via cerity.com and quote.cerity.com, supported by content marketing through a Learning Center, organic social channels, and earned media in outlets such as Forbes, Associated Press, MarketWatch, and Newsweek. Pricing is individualized and subscription-style on an annual billing cadence, with Cerity advertising potential savings of 20-50% versus incumbent carriers. The firm employs between 11 and 50 people and is privately held under the Employers Holdings, Inc. holding company structure.
Cerity firmographics
Firmographics- Name
- Cerity
- Legal name
- Cerity Services, Inc.
- Website
- https://cerity.com
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Cerity is a digital-first workers' compensation insurance provider that sells affordable, same-day policies directly to U.S. small businesses and independent contractors in 46 states under Employers Holdings, Inc.
- Ownership category
- akta.pro rank
Cerity industry classification
Industry- Product category
- Workers' Compensation Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Workplace Injury & Medical-Only Coverage (FSAJAEAA)
- akta.pro secondary industry
- Indemnity (Lost-Time) Workers’ Compensation (FSAJAEAB)
Keywords
Where Cerity is headquartered
LocationHeadquarters
- HQ city
- Austin
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Cerity business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Workers' Compensation Insurance Premiums: Recurring annual insurance premiums for workers' compensation coverage. Premiums are calculated based on business payroll, location, industry classification, and claims history. Employers pay premiums to provide coverage for employees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Individualized quote-based pricing tailored to each small business |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
Cerity product offering
Product offeringCore offering
Cerity provides workers' compensation insurance coverage exclusively for small businesses and independent contractors, delivered through a digital-first platform that enables online quotes in approximately 3 minutes and same-day coverage issuance. Policies cover workplace injuries, medical expenses, lost wages, disability, death benefits, and protection against employee lawsuits, with pricing tailored to each business's payroll, location, industry classification, and claims history. The product is available in 46 U.S. states and underwritten by affiliated carriers including Employers Compensation Insurance Company, Employers Preferred Insurance Company, and Employers Assurance Company.
Product overview
Cerity offers a focused portfolio of workers' compensation insurance products exclusively for small businesses. The core offering is Workers' Compensation Insurance, which provides coverage for workplace injuries, medical expenses, lost wages, and death benefits. For independent contractors requiring proof of coverage, Cerity provides a Workers' Comp Ghost Policy. All products are accessible through their Online Quote Tool, which enables businesses to get quotes and purchase policies digitally without phone calls. The company leverages proprietary tools and modern technology to deliver fast, affordable coverage across 46 states.
Differentiator
Problem solved
Functional benefit
Products and services
- Workers' Compensation Insurance Affordable workers' compensation insurance designed exclusively for small businesses, providing coverage for workplace injuries, medical expenses, lost wages, disability, death benefits, and protection against employee lawsuits. Features include same-day coverage, transparent policies written in plain language, and 24/7 registered nurses on call for support. Policies are underwritten by affiliated carriers and available across 46 U.S. states.
- Workers' Comp Ghost Policy An affordable workers' compensation insurance policy designed specifically for independent contractors who do not have employees but require proof of coverage for client contracts or state legal requirements. Available across the same 46-state footprint as the main product offering.
Quantifiable outcome
- Many small business owners save 20-50% by switching to Cerity
Companies that use Cerity
Customer profileSegments2 records
Ideal customer profiles1 record
Cerity technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Cerity partnerships and signals
Strategic signalScale indicators1 record
Recent moves5 records
Expansion highlights4 records
Cerity competitors and assessment
Company assessmentEmerging players
- Embroker: Digital commercial insurance platform targeting small and mid-sized businesses with streamlined digital quoting — a partial overlap with Cerity's digital-first SMB motion.
- Vouch Insurance: Digital-native commercial insurer focused on startups and SMBs — adjacent to Cerity's SMB target segment and overlapping in distribution philosophy even though core lines differ.
Direct peers
- Next Insurance: Digital-first insurtech offering workers' compensation and other small business coverages online, targeting the same SMB self-serve buyer as Cerity with a similar instant-quote, multi-line model.
- CoverWallet (Aon): Digital commercial insurance platform (now part of Aon) that helps small businesses compare and purchase workers' comp and other coverages online — competing for the same digitally native SMB buyer.
- Pie Insurance: Workers' compensation insurtech built specifically for small businesses with a digital, pay-as-you-go model. Closely comparable to Cerity in product focus and target customer, with similar PLG-style acquisition.
- Thimble: Pay-as-you-go small business insurance including workers' comp sold online to independent contractors and small businesses — overlapping with Cerity's Ghost Policy and SMB workers' comp offering.
Broad incumbents
- Berkshire Hathaway GUARD Insurance: Workers' comp and small commercial carrier in the Berkshire Hathaway group — a sizable specialty P&C peer writing overlapping SMB and contractor classes.
- AmTrust Financial Services: Major specialty workers' compensation and small commercial insurance carrier writing SMB business nationally — a broad incumbent with overlapping product and customer profile.
- Travelers: Diversified P&C incumbent with significant small commercial and workers' comp business — competes with Cerity for SMB premium and is investing in digital distribution.
- The Hartford: Large incumbent carrier with deep SMB workers' comp and small commercial insurance offerings. A meaningful competitor to Cerity via agency and increasingly digital channels.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Cerity social profiles
Digital presenceCerity financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cerity leadership team
Management profileNumber of profiles
Cerity funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cerity M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cerity
What does Cerity do?
Cerity provides workers' compensation insurance coverage exclusively for small businesses and independent contractors, delivered through a digital-first platform that enables online quotes in approximately 3 minutes and same-day coverage issuance. Policies cover workplace injuries, medical expenses, lost wages, disability, death benefits, and protection against employee lawsuits, with pricing tailored to each business's payroll, location, industry classification, and claims history. The product is available in 46 U.S. states and underwritten by affiliated carriers including Employers Compensation Insurance Company, Employers Preferred Insurance Company, and Employers Assurance Company.
Is Cerity a public or private company?
Cerity is a private company. It is classified as corporate owned and is currently operating.
When was Cerity founded?
Cerity was founded in 2018. It employs 11 to 50 people.
Where is Cerity based?
Cerity is headquartered in Austin, United States, in the North America region.
How does Cerity make money?
One revenue line is on record: workers' Compensation Insurance Premiums.
Who are Cerity's main competitors?
Emerging players on record are Embroker and Vouch Insurance. Direct peers are Next Insurance, CoverWallet (Aon), Pie Insurance and Thimble. Broad incumbents are Berkshire Hathaway GUARD Insurance, AmTrust Financial Services, Travelers and The Hartford.
Does Cerity have an API?
No public API is recorded for Cerity.
What industry is Cerity in?
Cerity's product category is Workers' Compensation Insurance. Its primary akta.pro industry code is FSAJAEAA, Workplace Injury & Medical-Only Coverage, with a secondary code of FSAJAEAB, Indemnity (Lost-Time) Workers’ Compensation. Its NAICS code is 524126 and its SIC code is 6331.