Workers' compensation
It covers employee injuries and meets the state requirements that start the day you hire. In states where comp is state-run, we add the Stop Gap coverage the state fund leaves out. We shop the rest across multiple A-rated carriers.
Required the day you hire
Coverage for the people who work for you
Workers compensation pays the medical costs and lost wages when an employee is hurt on the job, and it protects the business from most injury suits in return. In most states it is required as soon as you have employees, and a general contractor or client will usually ask to see it before your crew starts. How your work is classified drives what you pay, so it is worth setting up carefully.
What it covers
The core of a workers comp program, and the state-specific piece that is easy to miss.
Medical costs
Treatment for a job-related injury or illness, from the emergency visit through rehabilitation, with no deductible to the employee.
Lost wages
Partial wage replacement while an injured employee recovers and cannot work, which keeps a claim from becoming a hardship.
Employers liability
Defense and damages when an injury leads to a suit against the business beyond the standard benefits. Built in where the private market writes comp.
Disability & death benefits
Longer-term benefits for a permanent injury, and benefits to a family in the worst case.
Stop Gap (state-fund states)
Employers liability added to your general liability policy in Washington, Ohio, North Dakota, and Wyoming, where the state fund does not include it.
Return-to-work support
Carrier programs that help an injured employee get back to suitable work sooner, which holds down the claim and the renewal.
The Washington gap
In state-fund states, the comp policy leaves out employers liability
A handful of states, Washington, Ohio, North Dakota, and Wyoming, sell workers compensation only through a state fund. Private carriers cannot quote the comp itself there. The problem is that the state fund covers the injured employee's benefits but not employers liability, the part that responds when an injury turns into a lawsuit against the business.
That gap is closed with a Stop Gap endorsement added to your general liability policy. It is easy to overlook, because the state fund makes it feel handled. We add Stop Gap where it applies and shop the comp normally everywhere else.
See how it fits a contractor programWorkers compensation FAQ
When do I need workers compensation?
In most states you are required to carry workers compensation the day you hire your first employee, and the rules vary by state on whether owners and officers are included. It covers medical costs and lost wages for a job-related injury and is usually required before a client or general contractor will let your crew on site.
Do you write workers comp in Washington?
Workers comp in Washington is sold by the state fund, not by private carriers, so nobody can quote the comp portion for you there. What the state fund leaves out is employers liability, and that gap is filled by a Stop Gap endorsement we add to your general liability policy. Ohio, North Dakota, and Wyoming work the same way. In Oregon and most other states, workers comp is a normal line we shop for you.
What is employers liability?
Workers compensation pays an injured employee's benefits, and employers liability covers the business when an injury leads to a lawsuit beyond those benefits. In private-market states it is built into the workers comp policy. In state-fund states it is not, which is why Stop Gap coverage matters.
How is workers comp priced?
Workers comp is rated on your payroll and the class codes for the work your employees do, then adjusted by your claims history. Because the same operation can be classified more than one way, how the policy is set up affects what you pay, which is worth getting right from the start.
Tell us about your crew and we'll bring back options to compare
A few minutes to start. We shop comp across multiple A-rated carriers and handle the Stop Gap where your state requires it.