In many cases, yes. Some states require even sole proprietors or officers of corporations to carry coverage, especially if they work on job sites or hire subcontractors. We’ll help you determine if you qualify for an exemption or still need a policy.

Rates depend on your industry, payroll size, claims history, and location. High-risk trades like roofing or electrical typically pay more, while clerical or administrative work costs less. We shop multiple carriers to find you the most competitive rate.

It covers medical expenses, lost wages, rehabilitation, and disability benefits for employees injured or made ill on the job. It also protects employers from lawsuits related to workplace injuries.

It generally doesn’t cover intentional injuries, intoxication-related incidents, or injuries that happen off the job. We’ll review exclusions with you to ensure there are no surprises.

Operating without coverage can result in heavy fines, stop-work orders, and personal liability if an employee gets hurt. In some states, it can even lead to criminal charges.

Most policies can begin the same day your application is approved. Our team handles all filings and compliance steps to activate your coverage fast.

Absolutely. We can bundle your policy with general liability, commercial auto, or bond coverage to save you money and simplify your renewals.

No problem. Your premium can be adjusted to match your actual payroll, so you only pay for what you need. We’ll handle the reporting and adjustments for you.

Independent contractors typically aren’t required to carry workers’ comp, but if they have employees or subcontractors, they may need it. Many general contractors also require subs to show proof of coverage before starting a project.

If an employee is injured, report it to us immediately. We’ll help you file the claim, coordinate medical care, and keep your business compliant with reporting deadlines.