Workers’ compensation made easier.
Protect your employees and your business with coverage designed around your payroll, classifications, operations and contractual requirements.
Multiple Markets
We compare standard, specialty and alternative workers’ compensation options.
24/7 Certificates
Access proof of insurance and request certificate holders through the insured portal.
Class-Code Guidance
Work with agents who understand payroll, classifications and workers’ compensation exposures.
Coverage built for the people who keep your business moving.
Workers’ compensation insurance can help cover eligible medical treatment, rehabilitation expenses and lost wages when an employee suffers a work-related injury or illness.
A policy may also include employers liability coverage, which can help protect the business against certain employee-related lawsuits not covered by standard workers’ compensation benefits.
What determines your premium?
Employee payroll
Workers’ compensation class codes
State of operation
Claims and loss history
Experience modification factor
Ownership and officer elections
Solutions for different business structures.
Whether you have a construction company, office-based operation or an owner-only business, we can help review the appropriate workers’ compensation structure.
Construction
Workers’ compensation solutions for contractors, trade subcontractors, construction crews and project-based operations.
- High-hazard classifications
- Project-specific requirements
- Waivers of subrogation
- Certificate-holder service
Non-Construction
Options for retail, professional services, restaurants, warehouses, offices, healthcare and service businesses.
- Clerical and office employees
- Retail and service staff
- Drivers and warehouse workers
- Multiple-location businesses
Owner-Only Policies
Coverage options may be available for eligible owners, officers, members or independent professionals without traditional employees.
- Contract requirement support
- Owner inclusion options
- Officer election guidance
- Minimum-premium programs
Tailored protection for your type of work.
Workers’ compensation pricing and eligibility depend heavily on the actual duties performed by your employees.
General Contractors
Coverage for project managers, field employees, carpentry, renovation and eligible subcontracted operations.
Roofers
Specialized options for residential and commercial roofing, repair, installation and related operations.
Underground Utilities
Protection for eligible excavation, utility installation, trenching, pipe work and infrastructure contractors.
Electricians
Coverage for residential, commercial and industrial electrical contractors and their employees.
Plumbers
Policies for plumbing contractors, service technicians, pipe installation and repair operations.
Security Guards
Coverage options for armed and unarmed security personnel, patrol services and guard companies.
Janitorial Services
Coverage for commercial cleaning, residential cleaning, floor care and maintenance personnel.
Landscaping & Tree Services
Options for lawn maintenance, landscaping, tree trimming, debris removal and related outdoor operations.
Carpenters
Coverage for framing, finish carpentry, cabinet installation and eligible woodworking contractors.
Standard markets, specialty programs and PEO options.
Not every business fits a standard workers’ compensation carrier. We help evaluate traditional policies, assigned risk options, specialty markets and professional employer organization programs.
More than a policy. Ongoing support.
We help manage the documents, endorsements and coverage details that your customers, contractors and job sites require.
Certificates of Insurance
Request certificate holders and access proof of workers’ compensation insurance through the insured portal.
Available online 24/7Top Carriers & Market Access
Compare coverage and pricing from several standard and specialty workers’ compensation programs.
Multiple market optionsWaiver of Subrogation
Add individual or blanket waivers when required by an eligible written contract.
Individual and blanket optionsKnowledgeable Agents
Receive help reviewing payroll, employee duties, officer elections and workers’ compensation class codes.
Specialized classification guidancePay-As-You-Go Options
Eligible businesses may use payroll reporting to calculate premiums throughout the policy term.
Improved cash-flow managementClaims Assistance
Get help locating the proper carrier, claim-reporting information and required documentation.
Support when an injury occursWhat we may need to quote your business.
Providing complete information helps carriers classify your operation correctly and return more accurate terms.
Start My QuoteBusiness Information
Legal name, address, ownership, years in business and description of operations.
Employee Duties
Detailed descriptions of the work each employee group performs.
Estimated Payroll
Annual payroll separated by employee classification and state.
Loss Runs
Prior carrier loss history, usually requested for the most recent policy years.
Current Policy
Current coverage details, renewal date, experience modification and prior premium.
Officer Information
Names, titles, ownership percentages and desired inclusion or exclusion elections.
Understanding the workers’ compensation audit.
Most workers’ compensation policies begin with estimated payroll. After the policy term ends, the carrier may audit the business to determine the actual payroll and employee classifications.
If actual payroll is higher than estimated, additional premium may be due. If actual payroll is lower, the policy may generate a return premium, subject to minimum-premium rules and carrier terms.
Experience Modification
Eligible businesses may receive an experience modification factor based on prior payroll and loss performance.
Correct Class Codes
Employee duties should be classified accurately. Incorrect class codes may cause audit adjustments or coverage concerns.
Report workplace injuries quickly and accurately.
Prompt reporting gives the insurance carrier an opportunity to coordinate medical care, investigate the claim and help the employee begin the recovery process.
Address Immediate Safety
Arrange emergency assistance when necessary and prevent additional injury.
Document the Incident
Record when, where and how the injury occurred and identify available witnesses.
Notify the Carrier
Report the claim using the carrier’s claim-reporting phone number or online portal.
Stay Involved
Cooperate with requests and support an appropriate return-to-work plan.
Ready to compare workers’ compensation options?
Start your quote online or call our licensed team at (305) 428-2005.
Workers’ compensation questions, answered.
Coverage requirements vary by state, industry, ownership structure and employee count. Our team can help you review your situation.