Workers' Compensation Insurance Built for Your Trade
Protect your employees and your business with workers' comp coverage that meets your state's requirements. We shop specialized carriers to find the right rate for your industry and experience mod.
Workers' Comp Isn't Just Paperwork — It's Protection
One workplace injury without the right coverage can threaten your business. Here's what we help you navigate.
State Requirements
Coverage rules and thresholds vary by state — getting it wrong can mean fines or stop-work orders.
Experience Mod Rates
Your claims history directly affects your premium — the wrong carrier can leave you overpaying for years.
Classification Codes
Misclassified job codes are one of the most common reasons contractors overpay or fail audits.
Year-End Audits
Payroll audits can trigger surprise bills if your policy wasn't set up correctly from the start.
Contract Requirements
GCs and clients often won't let you on a jobsite without proof of coverage — even if you have no employees.
Injury Costs
Medical bills and lost wages from a single injury can be more than most businesses can absorb out of pocket.
What Workers' Compensation Covers
Workers' comp protects your team and your business when a job-related injury or illness happens.
Medical Expenses
Covers treatment, hospital visits, and ongoing care for a job-related injury or illness.
Lost Wage Replacement
Partial wage replacement while an injured employee is unable to work and recovering.
Employer's Liability
Protects you if an employee sues over a workplace injury not covered by standard comp benefits.
Disability Benefits
Ongoing benefits for temporary or permanent disability resulting from a covered injury.
Vocational Rehab
Retraining support if an employee can't return to their previous role after an injury.
Death Benefits
Funeral costs and dependent benefits in the event of a fatal workplace accident.
Certificate of Insurance
Fast COI issuance so you can meet GC and contract requirements without delay.
Ghost / Owner-Only Policies
Minimum-premium coverage for owners with no employees who need proof of comp for contracts.
Need a Ghost Policy or Owner-Only Coverage — Fast?
If a general contractor or client is requiring proof of workers' comp before you can start a job, we can usually get these issued quickly — no employees required.
Ghost Policies
A minimum-premium workers' comp policy for owners with no employees. Satisfies GC and contract requirements for a certificate of insurance without covering payroll you don't have.
Owner-Only Election
Sole proprietors, partners, and corporate officers can elect in or out of coverage depending on your state. We help you choose the right election for your contracts and your risk.
We Shop 30+ Carriers to Find Your Rate
Workers' comp rates vary widely by class code and carrier appetite. We compare the market so you're not stuck with the first quote.
What Does Workers' Comp Cost?
Rates depend on your class code, payroll, claims history, and state. Here's a general range by risk level.
Office / Low-Hazard Trades
Includes ghost policies, owner-only elections, and light-duty class codes.
General Contractors / Trades
Covers most carpentry, painting, and general contracting class codes with a small crew.
Roofing / High-Hazard Trades
Roofing, tree work, and other elevated-risk class codes carry higher base rates per $100 of payroll.
| Question | Answer |
|---|---|
| What is workers’ compensation insurance? | Workers’ compensation insurance covers medical expenses and lost wages for employees who are injured or become ill due to their job. It also protects your business from lawsuits related to workplace injuries. |
| Do I need workers’ comp if I don’t have employees? | In many cases, yes — general contractors and clients often require proof of workers’ comp before you can work on a job site, even if you’re a sole owner with no employees. A ghost policy or owner-only election can satisfy this requirement. |
| What is a ghost policy? | A ghost policy is a minimum-premium workers’ comp policy for business owners with no employees. It provides a certificate of insurance to meet contract requirements without covering payroll you don’t have. |
| Can I exclude myself from my own workers’ comp policy? | Depending on your state, sole proprietors, partners, and corporate officers can often elect to include or exclude themselves from coverage. We help you choose the right election for your contracts and risk tolerance. |
| How is my workers’ comp premium calculated? | Premium is based on your class code (type of work), total payroll, claims history (experience mod), and state rates. Different trades carry different base rates per $100 of payroll. |
| What happens during a workers’ comp audit? | At the end of your policy term, your carrier reviews actual payroll and classifications against what was estimated. Mismatches can result in an additional bill or a refund, which is why accurate classification upfront matters. |
| How fast can I get a workers’ comp policy issued? | Ghost policies and owner-only elections can often be issued quickly since there’s no payroll or claims history to underwrite. Policies covering employees may take longer depending on your carrier and class code. |
| How many carriers do you compare for workers’ comp? | We shop 30+ carriers to find coverage that fits your class code, payroll, and claims history — rather than a one-size-fits-all rate. |
Get Your Workers' Comp Quote Today
Whether you need a ghost policy for a single job or full coverage for a growing crew, we'll shop the market and find the right fit fast.