About Brokly

Brokly publishes sourced commercial-insurance data for US small businesses: what each state requires of a trade, read from the statute, and what coverage typically costs, modeled from filed rates. Every figure on this site names its primary source and its vintage.

How the data works

Costs come from filed rates. Annual figures are modeled from each state's filed workers'-compensation rates (2024, via the Oregon DCBS premium rate ranking study) applied to observed payrolls by business size (US Census County Business Patterns) — one published rate column, never a synthetic multiplier.
Requirements come from the statute. Coverage rules are read per state from primary legal sources — statutes, official regulator pages, and government filings — and each claim cites the section it rests on.
Modeled figures are benchmarks. They render at two significant figures because more precision would overstate the model. They are not quotes.
Gaps are flagged, not papered over. Where a state's data doesn't pass our gates, the page says so instead of estimating.

Corrections

If a figure or citation looks wrong, write to hello@brokly.com with the page link — sourced corrections are reviewed against the primary record and fixed.

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