Construction carries some of the highest workers' comp rates of any industry — and they vary widely by carrier and class code. We compare multiple markets to find the right coverage at the right price for your crew.
For general contractors, subcontractors, and the trades — roofing, framing, concrete, electrical, plumbing, HVAC, and more.
Workers' comp for contractors of every size, from solo operators to large crews.
Compare My Quotes →Submit the basics below. A workers' comp specialist follows up with competitive options — no obligation.
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Carriers Compared
Industries & Class Codes
Employees Covered
Carriers price construction workers' comp differently — comparing multiple markets is the only way to know you're not overpaying.
Roofing, framing, and concrete are rated very differently. The right carrier for your trade saves real money.
Misclassified payroll inflates premiums. We help make sure each role is rated correctly.
A clean safety record should lower your price. We shop carriers that reward it.
Fast COIs and the filings GCs and projects require to keep you working.
You send the basics. We compare carriers and bring back competitive workers' comp options.
Industry, employees, payroll, state, and renewal date. No giant application to begin.
A specialist reviews your class codes, mod, and risk and shops competitive markets.
Compare options side by side and choose the coverage and price that fit — no obligation.
Nearly every state requires workers' comp once you have employees, and many require it for construction even with a single worker. Some project contracts and GCs require it regardless.
Construction class codes carry higher injury risk, so base rates are higher — but they vary a lot by carrier, trade, payroll, and your experience mod, which is why comparing matters.
Often yes. Uninsured subs can be charged to your policy at audit. We help you understand how subs affect your premium and certificates.
Correct class codes, a strong safety record / experience mod, proper sub documentation, and comparing multiple carriers are the biggest levers. We help with all of them.
See if you're overpaying. One quick request and a specialist brings back competitive options from multiple carriers.
Compare My Quotes →