Independent. Local. On your side.
We're a Midwest-based workers compensation insurance agency built specifically for small business owners who are tired of overpaying and underserved by big carriers.
Our story
Why we started Midwest Work Comp Solutions
After years working inside large insurance carriers, our founders saw the same pattern repeat: small businesses were being quoted rates based on outdated classifications, paying for coverage they didn't need, and getting little to no guidance when claims arose.
We started Midwest Work Comp Solutions LLC to fix that. As an independent agency, we're not tied to any single carrier — we shop the market on your behalf, find the right fit for your industry and payroll, and stay with you through the life of your policy.
Our clients are roofers, landscapers, manufacturers, trucking companies, and dozens of other trades across the Midwest. We speak their language and understand their risks.
Why choose us
Licensed, experienced, and accountable
Licensed in 12 states
We hold active non-resident licenses across the Midwest and surrounding states.
Independent agency
We represent multiple A-rated carriers so we can find the best rate and coverage for your business.
Workers comp specialists
We focus exclusively on commercial lines with a deep specialty in workers compensation.
Claims advocacy
When a claim happens, we're in your corner — helping you navigate the process and protect your experience modifier.
Our team
The people behind your policy
Mike Harrington
Founder & Principal Agent
20+ years in commercial insurance. Mike built this agency after watching too many small businesses get burned by carriers who didn't understand their operations.
Sarah Kowalczyk
Senior Account Manager
Sarah handles renewals, audits, and day-to-day client questions. She's known for catching classification errors that save clients thousands at renewal.
Derek Osei
Claims Specialist
Derek monitors open claims and works directly with adjusters to keep your experience modifier as clean as possible.
Service area
Where we work
We're licensed and actively writing policies in Illinois, Indiana, Ohio, Michigan, Wisconsin, Minnesota, Iowa, Missouri, Kansas, Nebraska, Kentucky, and Tennessee. If your business operates across state lines, we can handle multi-state coverage under a single policy.
Ready to see if you're overpaying?
A free policy review takes less than 10 minutes. No obligation, no pressure — just a straight answer.