SolePro Business Insurance Review

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Contributor, Benzinga
August 26, 2022
SolePro via Simply Business
securely through SolePro via Simply Business's website

SolePro, Inc. is an online insurance broker specializing in workers’ compensation for blue-collar industries. SolePro does not offer workers’ compensation quotes to businesses directly but does so through its appointed agents.  In business since 2013, this Virginia-based company offers workers’ compensation coverage in the following 26 states through its agency partners:

  • Alabama
  • Arkansas
  • Colorado
  • Washington D.C.
  • Delaware
  • Georgia
  • Indiana
  • Kentucky
  • Louisiana
  • Maryland
  • Maine
  • Michigan
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • Nebraska
  • New Mexico
  • Nevada
  • Oklahoma
  • Oregon
  • South Carolina
  • South Dakota
  • Tennessee
  • Virginia
  • Kansas
  • Minnesota
  • Texas
  • Wisconsin

*Not all coverage options are available in every state.

Best For
  • Sole proprietors
  • One person LLCs
  • One person S-corps with no employees
  • Day laborers
  • Subcontractors
  • Workers’ comp coverage for companies with no employees
  • Most class codes are accepted (exclusions apply to roofing, logging, tree pruning and oil and gas)
  • Online quoting available
  • Not all coverage options are available in every state

SolePro via Simply Business Ratings at a Glance

Customer Service Rating
Customer Pricing
User Benefits
User Experience
Overall Rating

SolePro is an online insurance broker that gives agents wishing to offer workers' compensation insurance quick, affordable options. Richmond, Virginia, serves as the company's headquarters. The staff comprises management, underwriters, account managers and the sales team.

With a combined experience of over 100 years in the insurance industry, the insurance specialists at SolePro are experts in online workers' compensation programs. Independent retail agents and managing general agent (MGA) sub-agents can write workers' compensation policies with the aid of SolePro. It offers a minimum premium "excluded" workers' compensation policy + accident policy for sole proprietors, one-person LLCs and one-person S-corps with no employees, day laborers or subcontractors. It specializes in workers' compensation for landscaping, artisan contractors, trucking and other blue-collar occupations.

SolePro offers workers' compensation coverage to blue-collar workers. Workers' compensation is a crucial type of business insurance coverage as it protects business owners and their employees should they get hurt or sick on the job.

Depending on where you live, what you do, how your business is set up and whether or not you have employees, you may need workers' compensation insurance.

Even if you're not required by law to have a workers' compensation policy, it's better to be safe than sorry. Accidents often lead to big medical bills, but you will be protected with the right insurance.

SolePro offers three workers' compensation programs: Solo X, Solo I and Plus.

Solo X

Solo X is designed for firms with no employees who wish to opt out of coverage. The Solo X policy is a reasonable alternative for business owners and includes a comprehensive accident policy. Eligible applicants include businesses with no employees. Solo X is the best option for a minimum premium workers' compensation policy. Increased limits, accident policy and waivers are available. Worker ages for Solo X are 18 to 70.

Solo I

Solo I allows the business owner to be covered but is also for entities without employees. Eligible applicants include businesses with no employees, day laborers and subcontractors. Entity types eligible for the Solo I policy include sole proprietors, LLCs, partnerships and non-contracting S-corps. In addition, owner/officer coverage, third-party financing, waivers and increased limits are available. There is no age restriction for the Solo I policy. 


Plus is designed for businesses with employees; owners can choose to include or omit themselves from coverage. The Plus policy also offers the opportunity to add accident coverage for added security. Eligible applicants for the Plus policy include businesses with at least one employee and a minimum payroll of $15,000. Owner/officer coverage, increased limits, accident policy, waivers, pay plans and third-party financing are all available options with the Plus policy.

SolePro workers' compensation insurance provides coverage for blue-collar workers, including workers in the following industries:

  • Landscaping
  • Residential cleaning
  • Carpet cleaning
  • Ornamental ironwork
  • Welding
  • Garage door installation
  • Acoustic ceiling installation
  • Masonry
  • Plumbing
  • Electrical wiring within buildings
  • Concrete work
  • Concrete work - paving
  • Swimming pool installation
  • Painting
  • Floor covering installation
  • Plastering
  • Sheet metal work, gutter installation
  • HVAC
  • Debris removal
  • Excavation
  • Fence installation
  • Local trucking
  • Cable installation
  • Inspection of insurance risks
  • Home health care
  • Janitorial services
  • Restaurants
  • Lawn maintenance

Customer Service Rating

No customer service ratings from the Better Business Bureau were published for SolePro, nor were online customer service reviews. However, no listed customer service reviews are not necessarily a bad thing. For example, no documented complaints for a company could mean they are fulfilling customers’ needs satisfactorily and without complaint.

Customer Pricing

The cost of workers' compensation coverage varies depending on various factors, including risk, occupational categorization and experience rating. For example, it will cost more if you work in a high-risk industry, such as construction, where accidents are more common.

Talk to your insurance agent about the best policy options and workers' compensation rates for your specific insurance needs.

User Benefits

Companies needing workers' compensation coverage will enjoy the following benefits of a SolePro policy.

  • Over 100 years of combined team experience
  • A-rated insurance carrier partners
  • Immediate quotes online
  • Paperless and fully online
  • No mid-term audits
  • Quick policy processing
  • 24/7 online policy access

User Experience

Workers' compensation policies purchased through SolePro have the following user experience benefits:

  • Instant quotes available
  • Bind coverage digitally
  • Automated policy renewals
  • Quick proof of insurance available
  • No mid-term audits
  • Increased policy limits available

SolePro vs. Competitors

SolePro is an online insurance broker offering workers' compensation insurance in 26 states. Other online insurance brokers offering the same type of coverage include Epic Insurance, RT Specialty and U.S. Risk Brokers.

Overall Rating

SolePro offers workers' compensation coverage in 26 states with the ability to obtain a quote and purchase coverage online. It has unique coverage options, including workers' compensation coverage for single proprietors, one-person LLCs and one-person S-corps without employees, day laborers or subcontractors; a minimum premium excluded workers' compensation policy plus accident policy is available. It focuses on workers' compensation for blue-collar jobs, including trucking, landscaping and artisan contractors.


How much does business insurance cost?


The cost of business insurance varies substantially from one business to another and from one insurance policy to another. Therefore, comparison shopping is ideal for locating the best bargain on business insurance.


Should a home-based business buy insurance?


Whether or not you will need business insurance for your home-based company depends on several factors, including whether or not you have employees, the type of business you have and how much income you make. If in doubt, consult your insurance agent to find the best insurance options for your home business.

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About Janet Hunt, Insurance Agent

Janet has been working in, and writing about, the insurance industry for over 20 years.