Sometimes getting worker’s comp insurance on your own is hard. That’s why many businesses work with HR payroll services that can provide group rates (they group your 3 employees with others in similar categories to buy and get group rates on insurance). For a company your size, I’d recommend working with Gusto. You can try it for free for 30 days to see if it works for you. If you plan to grow rapidly past 10 or more employees you might want to work with BambooHR, or a PEO. I’ve provided a couple of article links to help you work thru your options. Best of luck to you!
Laura, HR Writer, SPHR, MAEd, ICFE