Workers' Compensation for Contractors
Workers compensation for contracting firms covers your employees for injuries on job sites, in transit, and during all phases of construction operations. Specialty contractor workers compensation programs are placed with carriers who understand construction workforce risk — the injury patterns, class codes, and experience modification factors that determine your actual premium.
What it covers
- Job site injuries — falls, struck-by, caught-in/between, and all construction accident patterns
- Medical expenses for work-related injuries and occupational disease
- Lost wages during disability periods — temporary and permanent
- Employer liability — suits by injured employees alleging employer negligence beyond workers comp benefits
- Occupational disease — conditions developing gradually from construction work exposures
- Cumulative trauma and repetitive motion injuries
- Death benefits for surviving dependents of employees killed in covered work accidents
Who it's for
- General contractors with W2 construction employees on commercial and industrial projects
- Construction management firms with professional and field staff
- Specialty contractors with crews performing trade work — carpentry, concrete, structural, mechanical, and electrical
- Contractors in states with mandatory workers compensation requirements
- Multi-state contractors requiring coordinated workers comp across state lines
Why CCA
- Correct class code assignment — construction workers comp class codes vary significantly and misclassification creates audit exposure and unexpected premium charges
- Experience modification factor review — we verify your experience mod is calculated correctly and help you understand what affects it
- Carriers who underwrite construction operations fairly — not generic commercial carriers who apply construction surcharges without understanding your safety program
- Multi-state coordination for contractors working across state lines with employees in multiple states
- Premium audit preparation — we help you prepare for annual audits so there are no surprises
Common questions about workers' compensation
General contractors may be classified under multiple codes depending on the work performed — carpentry (5403), concrete (5213), structural steel (5040), general construction (5606 for supervisor exposure), and others. The correct code assignment depends on the specific work your employees perform. Misclassification results in audit adjustments that can significantly increase your premium. We verify correct classification before binding.
Your experience modification (experience mod or EMR) compares your actual claims history to the expected claims for a contractor of your size and type. A mod below 1.0 reduces your premium; above 1.0 increases it. Many project owners require contractors to have an EMR below 1.0 or 0.85 as a prequalification requirement. We review your mod calculation and identify opportunities to improve it.
In most states, workers compensation is the exclusive remedy — employees cannot sue their employer for negligence covered by workers comp. However, employer liability coverage (typically included as Part B of WC policies) covers suits alleging conduct that falls outside the exclusive remedy — specific intentional acts, certain toxic exposure claims, and suits that exceed WC exclusivity in some states. We make sure your employer liability limits are adequate.
Yes. Contractors Choice Agency holds licenses in all 50 states and writes contractors professional liability programs coast to coast. NPN 8608479.
We work with AM Best A+ rated specialty carriers with proven appetites for construction professional liability risks. Carrier selection depends on your specific operation, project types, professional service scope, and state.
Contact us immediately at 844-967-5247. We provide 2-hour claims response during business hours and will guide you through notifying your carrier, preserving documentation, and protecting your coverage position from the first day of a claim.
Yes. Monthly payment plans are available through most carriers and premium finance options. We walk you through payment options when presenting your professional liability quote.
Founded in 2005 — over 20 years insuring specialty contractors. Contractors professional liability programs have been a core focus throughout our history as contractor project delivery methods have evolved.
Basic information needed: business name, years in operation, annual revenue, project types and sizes, professional service scope (design-build, CM, design-assist, value engineering), states you work in, current E&O coverage if any, and claims history for the past five years.
Yes. New contracting firms can obtain professional liability coverage, though the retroactive date will be the policy inception date with no prior acts coverage initially. Coverage builds as you renew. We explain how this affects your protection and what to watch for in your first few years.
We are experienced with project-specific professional liability requirements — minimum limits, project-specific endorsements, additional insured language, and retroactive date provisions. Tell us what your contract requires and we will confirm your policy meets those requirements before binding.
Yes. Professional liability coverage typically applies wherever you perform professional services. Workers compensation requires separate state filings where you have employees, but professional liability follows your operations nationwide.
844-967-5247, Monday through Friday 8am to 5pm Mountain Time.
12220 E Riggs Road Suite #105, Chandler, AZ 85249. We serve contractors nationwide by phone and online.
josh@contractorschoiceagency.com. We respond to professional liability quote requests within 15 minutes during business hours.
Yes. Submit the online quote form at contractorsprofessionalliabilityinsurance.com/quote and we will respond within 15 minutes during business hours. For fastest service, call 844-967-5247 directly.
Yes. We help manage certificates of insurance for your subcontractors and issue certificates to project owners as required by your contracts — including professional liability certificates with the specific language and limits your project owner requires.
Pair it with related coverage
Get Your Contractors Professional Liability Insurance Quote
E&O, professional liability, and design-build coverage for general contractors, construction managers, and specialty firms — nationwide.