Workers'CompFor Everyone.Even the hard-to-place ones.
Construction, towing, trucking, ag, home health, staffing — we get coverage where others say no. Certificate of insurance issued the same day.
Turned Down Elsewhere?
We specialize in the industries standard carriers reject. If you have employees, we have coverage for you.
Construction
General contractors, roofing, framing, electrical, plumbing, concrete & masonry.
Towing & Trucking
Towing & recovery operators, long-haul and local trucking fleets of all sizes.
Agriculture
Farm labor contractors, seasonal workers, crop harvesting operations.
Home Health
Personal care aides, home health agencies, assisted living support staff.
Staffing Agencies
Temporary staffing, labor leasing, and professional employer organizations.
Other High-Risk
Demolition, landscaping, janitorial, and other hard-to-place industries.
Don't see your industry?
We cover many more high-risk classifications. Contact us.
Coverage in 4 Steps
From application to certificate — fast, no hassle, bilingual.
Fill Out the Form
Tell us about your business, industry, payroll, and employees. Takes under 3 minutes.
We Call You Back
A bilingual specialist contacts you within 1 business hour to confirm details and options.
Get Your Quote
We shop your risk across our PEO network and deliver competitive options — often same day.
Coverage Starts
Bind coverage and receive your Certificate of Insurance fast — low setup fee required.
No obligation · Response within 1 business hour
The Ninja Difference
We're not a typical insurer. We specialize in what others reject.
Comp Ninja works for you
We slash rates and get you covered fast.
$875 Setup Fee
Start coverage without a large upfront deposit. Pay-as-you-go through our PEO structure.
PEO-Backed Access
We leverage Professional Employer Organizations to get you coverage others can't provide.
Hard-to-Place Experts
We specialize in the industries most carriers refuse. Construction, towing, ag — we've got you.
Bilingual Service
Full English and Spanish support — from quote to certificate, no language barrier.
Same-Day COI
Need a certificate of insurance fast? We deliver. Contractors can't wait — neither do we.
Compliance Ready
Stay compliant with state requirements. We handle the paperwork and audit support.
Need a COI Today?
Contractors can't wait. Neither do we. Coverage and certificate the same day.
What Our Clients Say
"I had been turned down by three carriers before finding Comp Ninja. They got me covered in one day and I had my COI before the job started. Unbelievable service."
Miguel R.
General Contractor · Texas
"Towing is nearly impossible to insure. Comp Ninja found me a PEO solution that actually worked. The pay-as-you-go model saves me thousands compared to my old policy."
James T.
Towing Operator · Florida
"The Spanish-language service was incredible. They explained everything clearly and I had my certificate the same day. I recommend Comp Ninja to every Hispanic business owner."
Rosa M.
Home Health Agency Owner · California
"After my previous carrier dropped me, I thought I was done. Comp Ninja had me back in business within 24 hours. Their PEO model is a game changer for small fleets."
David K.
Trucking Company Owner · Georgia
"Managing workers' comp for a staffing agency is a nightmare with traditional insurers. Comp Ninja's PEO solution handles everything and adjusts to our payroll automatically."
Carlos V.
Staffing Agency Owner · Arizona
"I never thought I could find affordable coverage for my agricultural workers. Comp Ninja made it possible and the process was very straightforward."
Ana L.
Farm Labor Contractor · California
Start Your Free Quote
Fill out the form and a specialist will contact you within 1 business hour. No obligation, no upfront cost.
Frequently Asked Questions
A Professional Employer Organization (PEO) co-employs your workforce, allowing you to access their master workers' comp policy. This means you get coverage even if your industry is typically declined by standard carriers — often with low setup fee required.
Still have questions?
Call Us: (305) 330-5728