Workers' Compensation for Contractors

We've developed the best insurance programs for construction companies.

Prefer to speak with A Workers' Compensation Specialist?

Give us a call today at 888-611-7467

Better Workers' Comp Coverage for Contractors

It's getting harder and harder to find affordable workers' compensation insurance for artisan contractors and construction companies. Rates have increased over 25% in most states over the past several years. Good thing you found us.

We've been helping contractors find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed construction programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing construction coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Construction Insurance Companies

AmeriSafe Workers Compensation Insurance Roofing-Trucking.

AmeriSafe Insurance

AmeriSafe Insurance Company is a specialty carrier who write hard to place risks. They offer good rates and loss control services.

AmeriSafe Insurance

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for contractors.

Accident Fund

Benchmark

Benchmark excels at covering a broad range contractors, trim carpenters, painters, and concrete work.

Benchmark Insurance

UBIC specializes in tough work comp class codes including home health and heavy construction.

UBIC Insurance

UBIC offers excellent rates as well as loss control and safety resources for construction companies.

UBIC Insurance

Cimarron Insurance

Cimarron is a fast growing insurance company providing Pay As You Go coverage in many contractor class codes.

Cimarron Insurance

Normandy Insurance

Normandy Insurance is a diverse, fast growing insurance company underwriting a broad range of risk classes and industries.

Normandy Insurance

Pie Insurance

Pie Insurance is one of the newest national insurance companies. They write a lot of contractors.

Pie Insurance

State Auto is a national insurance company that quotes workers comp in most states.

ICW Group

ICW specializes in workers' compensation coverage for a broad range of well-managed contractors and class codes.

State Auto

Frank Crum Workers' Compensation Insurance

FrankCrum Insurance

FankCrum Insurance quotes a broad range of risks and often has lower rates on construction insurance. They also quote new ventures.

FrankCrum

We help business owners find the very best deal on workers' comp insurance.

The right quote makes a big difference in price.
Shop coverage like a Pro.

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Workers' Compensation Codes Related to Contractors

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 5645 | Residential Construction

Residential construction is a broad class code and applies to most carpentry work in connection with a residential homes up to 3 stories. Work performed may include framing, drywall, siding, rafters, roof decks, cabinets and trim work. Handyman and remodeling work also falls under this classification.

Class Code 5403 | Carpentry and Construction

When construction exceeds 3 stories it is typically classified under wc 5403. This includes apartment complexes and commercial structures. There are no restrictions for building height under this class code. It includes all carpentry work that is not classified under another code.

Class Code 8227 | Construction- Permanent Yard

This class is a common addition to many contractor operations. It applies to permanent locations or shops maintained by contractors for storage and equipment maintenance. This code is intended only for dedicated shop employees.

Class Code 5437 | Finish Carpenters

Finish carpenters specialize in interior carpentry finish such as trim work, interior doors, paneling, wood floors, staircases, cabinets, interior doors and counters. No rough carpentry such as framing is included under this class code as this code is intended for skilled specialists. Wallpapering and caulking is included under this classification.

Class Code 5474 | Painters

This class applies to most painting contractors engaged in painting various things including residential houses and commercial structures. It includes both interior and exterior walls.

Class Code 5221 | Concrete Construction

Concrete work may include floors, foundations, driveways, curbs, patios and sidewalks. Foundation repair and paving is typically included under this classification.

Class Code	State
5403 \| Residential Construction	California / Texas
652 \| Residential Carpentry	Delaware / Pennsylvania
651 \| Commercial Construction	Delaware / Pennsylvania
648 \| Finish Carpentry	Delaware / Pennsylvania
5429 \| Trim Carpenter	New York
5201 \| Concrete or Cement Work	California
5200 \| Concrete Construction	New Jersey / Texas

Get the Best Contractors Insurance Coverage

A lot of small contractors are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing contractors insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Construction Insurance Expertise
More Markets for More Solutions We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.

Loss of income for employees unable to perform job duties
Medical expenses for employees injured on the job
Retraining expenses for employees unable to return
Permanent injury or disability for lasting injuries
Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.

Injuries resulting from a violation of the law
Incidents resulting from employees' use fo drugs or alcohol
Injuries that did not occur in connection with the job
Clear company policy violations
Injuries that did not occur in connection with the job

Lower Your Contractors Insurance Cost

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for contractors:

Workers' Compensation and Employers Liability

Contractor Liability Insurance

Commercial and Personal Property

Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much is Contractors Insurance?

The average rate our customers pay for workers' compensation under the construction class code is between $5.25 and 10.25 per $100 of payroll, depending on the state. The average cost for a general liability insurance policy is about $1,100.00.

Workers' Comp Costs

Work Comp is priced based on payroll
Your state and EMR Rating will affect your cost
The type of construction work can modify rates
Premium discounts and policy credits may apply

General Liability Costs

GL rates for contractors are based on payroll (rated per $1000)
Gross revenue may affect pricing
The type of work done matters to underwriters
Prior clams and years in business affect pricing
SIC codes vary by industry

Do Independent Contractors Need Workers' Comp Insurance?

Most states require contractors to carry workers' compensation coverage even if they don't have any w-2 employees. Additionally, most larger contractors who hire independent contractors as subs require them to have coverage. Otherwise, they will likely have to pay additional premium for hiring an uninsured sub-contractor.

It is common for many small independent contractors to buy a workers' comp ghost policy when they do not expect to hire any employees during the policy period. A ghost policy often satisfies other contractor requirements even though they provide very little value to the insured contractor.

1099 Contractors

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How do I get started?

Here's what we need from you

Business details, locations, FEIN or SSN
Estimated annual payroll and job duties- class codes
Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

Our software matches you with top-rated carriers
Our agents apply and negotiate your lowest rates
We present and recommend your best options

Ready to Start Your Quote?

Don't settle for cookie-cutter rates

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1-888-611-7467

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

(888) 611-7467 8 a.m.- 5 p.m. - Central, M - F

Workers' Comp Quotes for Contractors.

A lot of agencies have access to carriers that write workers' comp coverage for construction companies. But we offer better programs with fast and easy underwriting. Buy workers' compensation insurance with the lowest rates today. Get better advice from trusted experts. You'll be glad you did.

Get comparison quotes for your business today to see how much money we can save your business. Start online or give our Specialists a call today at 888-611-7467.

National Agency Number: 8847381
National Producer Number: 5064979

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National Broker Services

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

Pay for workers comp insurance with a credit card.