Workers’ Compensation
Workers’ compensation pays medical costs and lost wages when an employee is hurt on the job, whether in the office, driving to a meeting or on a construction site.
Most states require it once you have employees. The rules on who counts, and when, vary by state and by industry.
What It Is Built For
Site visits
Slips, falls and equipment injuries during inspections, surveys and construction observation.
Office injuries
Repetitive strain, lifting and everyday accidents.
Travel for work
Injuries while driving or traveling on firm business.
Employer’s liability
Claims that the firm’s negligence caused an employee’s injury, covered under the same policy.
Workers’ Compensation: Common Questions
Do I need workers’ compensation if I have one employee?
In many states, yes. Some set a minimum number of employees, and construction-related work often has stricter rules. We confirm the rule for your state.
Why is my premium based on payroll?
Workers’ compensation is rated per $100 of payroll by job class. Office staff and field staff carry different rates, so classifying people correctly matters.
What is a waiver of subrogation?
Your insurer gives up the right to recover from the owner or GC after paying a claim. Many contracts require it.
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.