Workers' comp insurance that puts you in control

Kinetic Insurance pairs every policy with claims intelligence and an expert team to help you actively manage your workers' comp from day one.

Current policyholder? Report an injury or find a form →

Why employers of frontline workers choose Kinetic

From parcel delivery to hospitality, we turn claims data into clear next steps so you control your workers’ comp costs, protect your people, and grow your business.

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Better claim outcomes

Every policy comes with always-on technology and experts on your side to help you support your employees' recovery and manage your comp costs.

A warehouse worker covered by Kinetic workers' compensation

Workers' compensation coverage for frontline industries

Kinetic partners with brokers nationwide to ensure you get the policy you need. See what we cover in your industry, then find a broker to get a quote.

Accommodate your employees, lower your costs

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lower loss ratios for clients who engage with services

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lower indemnity on accommodated claims

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lower total claim costs on accommodated claims

Closed, return-to-work-eligible claims with return-to-work vs. no return-to-work program (Kinetic data, 2024–2025)

Howlett Logistics reduces comp claims costs with Kinetic

Learn how Howlett Logistics, an Amazon DSP, partnered with Kinetic to get injured drivers back to work faster and cut indemnity costs.

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Looking for more information?

Frequently asked questions

What is workers' compensation insurance?
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Workers' compensation insurance is a safeguard for both businesses and employees when work-related injuries or illnesses occur.

For employees, it offers essential support, including medical care, wage replacement, and recovery resources. For employers, it provides peace of mind by reducing the risk of costly lawsuits and ensuring injured workers receive the care they need to recover and return to work.

What's included as part of my Kinetic workers' compensation plan?
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Kinetic workers’ compensation plans are backed by A-(Excellent) rated carriers, and many offer dividend potential. In addition, policies include:

Nurse Triage: Provided by Nationwide, Nurse Triage simplifies injury reporting and care coordination.

Rapid Return-to-Work: Enables compliant, light-duty creation and deployment in minutes.

Claims Intelligence: Continuously monitors claims data, flags risks, and gives you the next best action on every claim so you're in charge of claims outcomes.

How do I report an injury?
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We recommend reporting an injury through the Nurse Triage program. A registered nurse is immediately available to answer care questions. They also report the claim on your behalf, expediting the claim reporting process and reducing lag times.

Claims reporting guidance →

Existing clients

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