Coverage for Your Team When It Matters Most
Workers' compensation structured around how your firm is organized and where your team works.
Workers' compensation is required by law in most states once a business has employees. A studio-based team carries different risk than one with staff regularly on job sites.
We review how your firm actually operates before making any recommendation.
Coverage Overview
What Workers' Compensation Is Intended to Cover
Medical Expenses
Responds to medical costs from a covered work-related injury, including emergency treatment and rehabilitation.
Lost Wages
Addresses a portion of lost income while an employee is unable to work. Benefit structures vary by state.
Employers Liability
Responds to claims brought against your firm alleging a work-related injury resulted from your negligence.
When to Consider It
Where Workers' Compensation Tends to Be Relevant
Any Firm With Employees
Required by law in most states. Compliance requirements vary by state.
AEC Firms With Field Operations
Staff on job sites carry a different risk profile than those in a studio. Classification should reflect actual operations.
Firms With Subcontractors
Uninsured subcontractors can create additional exposure. Worth reviewing as part of every program discussion.
Key Considerations
A Few Things Worth Reviewing
Classification Accuracy
Premiums are based on how employee roles are classified. Misclassification can result in inaccurate premiums and audit complications.
Experience Modification Factor
Claims history directly affects your premium. Worth discussing at every program review.
State-Specific Requirements
Firms operating across multiple states need a program that reflects each state's requirements.
Subcontractor Certificates
Hiring firms can carry exposure for uninsured subcontractors under certain state rules.
Our Process
Deliberate at Every Step
Step 1
Understand Your Workforce
How your team is structured, what roles employees perform, where they work, and whether subcontractors are involved.
Step 2
Review Your Claims History
Prior claims history affects experience modification and carrier appetite. We review your loss runs before going to market.
Step 3
Approach the Right Market
We approach carriers familiar with AEC and professional services operations, not standard placements that treat every firm the same way.
Worth Knowing
Questions That Come Up Often
Is workers' compensation required even for small firms?
In most states, workers' compensation is required once a business has one or more employees — regardless of firm size. Thresholds and requirements vary by state. Sole proprietors and partners may be exempt in some jurisdictions but can often elect coverage. We review the specific requirements applicable to your firm before making any recommendation.
How is the premium calculated?
Workers' compensation premium is generally based on payroll, employee classification, and experience modification factor. Classification reflects the nature of the work being performed rather than the industry alone.
Do subcontractors affect our workers' compensation program?
A hiring firm may carry exposure for an uninsured subcontractor's work-related injury depending on state rules. Verifying subcontractor coverage and maintaining current certificates of insurance is worth reviewing as part of broader risk management practices.
Often Paired With
What Firms Typically Review Together
General & Property Liability (BOP)
Helps respond when someone claims your business caused bodily injury or property damage.
Commercial Auto
For vehicles owned, leased, or used by the business.
Umbrella Liability
Sits above multiple underlying policies and responds when primary limits are exhausted.
Start the Conversation
Want to See How Your Program Holds Up?
Tell us about your firm and the work you take on.
We'll take a look and share what we find.