SolePro: workers’ comp made easy

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FOR INSURANCE agents working with business owners or sole proprietors, understanding the ins and outs of workers’ compensation is crucial. Many clients are often unaware of the specific legal requirements in their state or mistakenly believe they don’t need workers’ compensation coverage. These misconceptions can leave business owners exposed to significant financial risks and legal challenges. Steve Love, CEO of SolePro, debunked common myths about workers’ compensation insurance and highlighted how SolePro’s platform empowers agents to better serve their clients.

At SolePro, we’re redefining how insurance agents quote and bind commercial insurance. Our cutting-edge platform allows agents to quote from top carriers with just one submission. Our proprietary ghost policy product offers instant, bindable quotes with no indications, no mid-term audits, and zero headaches. We leverage state-of-the-art technology to streamline agent workflows, delivering immediate solutions and slashing administrative time so agents can focus on what matters most – serving their clients. And with InsurForm – our direct-to-consumer workers’ compensation solution – agents can add an instant quote form to their website with a simple copy-paste. No coding. Just instant results.

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“We looked at a lot of different systems and took the best aspects of each to create something unique”

Steve Love, SolePro

SolePro streamlines the workers’ compensation process for agents, enabling them to quickly secure coverage for both sole proprietors and small businesses. Through state-of-the-art technology that streamlines workflows, in just two minutes, agents can complete an application and receive instant quotes from multiple commercial insurance carriers. Whether dealing with large multi-state operations or owner-only accounts, SolePro’s digital platform provides a seamless solution that handles everything from quoting to servicing and payment, saving agents time, providing tailored, affordable coverage, and slashing administrative time so agents can focus on what matters most – serving their clients.

What sets SolePro apart?

Published Feb 25, 2025

“Accidents can happen anytime, so it’s essential to be prepared. Workers’ comp policies are more affordable now, with significantly lower rates for low-hazard classes like retail, clerical, and sales exposures than ever before”

Steve Love, SolePro

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1. Supports a range of business classes SolePro was designed from the ground up to provide tailored programs for sole proprietors, but it has evolved to support accounts of all sizes. “We looked at a lot of different systems and took the best aspects of each to create something unique,” shared Love. The system’s Solo X and Solo I offerings allow agents to source coverage for a wide range of small business clients, regardless of their operations. From handymen to trucking, retail to dog walkers, plumbers to electricians, SolePro’s expansive appetite guide supports hundreds of business classes. 2. Removes the friction from small accounts Traditional sole proprietor policies often involve complex audits, blurred personal and business finances, and navigating cumbersome assigned risk plans, creating frustration for both agents and clients. “Having faced these challenges myself, my team and I designed SolePro to make it easier for agents to secure coverage for business owners without the hassle,” explained Love. SolePro offers a streamlined application process, eliminates midterm audits, and ensures a single, consistent carrier, allowing agents to efficiently secure appropriate coverage for sole proprietors and small business owners without unnecessary complications. 3. Multilingual accessibility SolePro understands that accessibility is key, which is why the platform offers client applications in multiple languages. “It comes with English and Spanish right away, but you can hit a button to change it to a different language like Mandarin, if needed,” said Love. This feature promotes inclusivity by enabling agents to reach a broader range of clients, enhancing accessibility and expanding opportunities for effective engagement. 4. Renewal and ongoing support SolePro doesn’t just help agents source initial coverage – it also makes renewing policies easy. Love shared, “We can even handle automated renewals. These small policies should be simple – quick, easy, and efficient.”

As an agent, it’s important to educate your clients on common misconceptions about workers’ compensation. Many small business owners believe they don’t need coverage because their operations are too small or because they don’t have employees. However, even small businesses can face significant financial consequences if an accident occurs and they’re not properly protected. Ensuring workers’ comp coverage is in place can prevent costly liabilities and legal issues down the road, offering peace of mind to both the business owner and their employees.

The truth about workers’ compensation

One of the most common myths among sole proprietors is the idea that workers’ compensation is required only if they have employees. While state laws vary, many states, including Virginia, do not require workers’ comp. But Love cautioned that this doesn’t mean sole proprietors are off the hook. “Even if you don’t have employees, you might still need workers’ compensation,” explained Steve. “In many cases, clients or contractors may demand that you carry coverage before they’ll hire you. Without it, you could miss out on job opportunities or contracts.” SolePro’s platform provides agents with flexible coverage options for clients, ensuring they stay protected even when workers’ compensation is not legally required.

Myth #1: “If I don’t have employees, I don’t need workers’ compensation”

Myth #2: “My health insurance will cover work-related injuries” Many people mistakenly believe personal health insurance covers work-related injuries, but most policies exclude them. “For example, in Virginia, four out of six major insurers confirmed that work-related injuries aren’t covered under their health plans,” shared Love. Agents should inform clients that if they’re injured while working without workers’ compensation coverage, they could face significant out-of-pocket medical expenses. Myth #3: “Workers’ compensation is too expensive for small businesses” Many sole proprietors hesitate to secure workers’ compensation, fearing the cost will be prohibitive. The good news is that premiums for workers’ compensation are often much more affordable than expected, especially for low-risk industries. “Accidents can happen anytime, so it’s essential to be prepared. Workers’ comp policies are more affordable now, with significantly lower rates for low-hazard classes like retail, clerical, and sales exposures than ever before,” said Love. SolePro is designed to offer affordable, tailored coverage. The platform’s straightforward, transparent pricing allows agents to find coverage that fits their client’s budget without sacrificing quality. Myth #4: “I don’t need workers’ comp if I work from home” The rise of remote work has led many to believe that if they work from home, they don’t need workers’ compensation. However, injuries that occur while working from home are still eligible for workers’ comp coverage, as long as the injury is work-related. Workers’ compensation coverage offers clients crucial financial support for accidents, safeguarding both their business and personal finances.

To get instant quotes and discover how SolePro can help you find the best workers’ compensation solutions for your clients, visit SolePro.

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Gary T., independent agent

Very easy company to work with, love the easy technology of the portal

Ryan H., independent agent

They have been super helpful and helped my client when no one else could. I will be there again

John M., independent agent

The best of the best. The interface makes a normally difficult process smooth and seamless

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