Workers Comp Insurance for Contractors, Restaurants and Breweries

What Better Workers' Comp Looks Like

Why settle for a policy that only meets the minimum requirement? A full review looks past the price to the things that cost you money during the year.

• Lower Your CostsCompare carriers and ask about available credits, safety incentives and other carriers' plans, subject to underwriting.
• Avoid Audit SurprisesAsk about monthly payroll reporting, payroll-linked billing and pay-as-you-go options where a carrier offers them.
• Compare Claims SupportWeigh carriers on adjusters, claims resources and defense counsel where the policy provides it.
• Stay Ahead of ProblemsPrepare before renewal, track payroll changes and keep safety and subcontractor records in order.

When an Employee Gets Hurt, Don't Navigate the Claim Alone

The carrier you choose today can make a real difference tomorrow. Your employee needs care and benefits; your business needs clear communication and a carrier equipped to guide the claim. That's why the smallest premium isn't the only thing worth comparing.

• Claims GuidanceAdjusters who explain the process, what they need and what happens next.
• Prompt CoordinationClear injury-reporting steps and a number to call when something happens.
• Medical ManagementMedical networks, treatment coordination or nurse support where available.
• Return to WorkHelp setting up modified or transitional duty when it fits the injury.
• Claim ReviewsA chance to talk through open claims, reserves and claim status.
• Defense CounselCarrier-appointed workers comp defense counsel where the policy and the law provide it.
• Loss ControlSafety resources aimed at fewer injuries next year.
• Ongoing CommunicationA claims team that keeps the right people informed, and a way to raise a service concern.

Ten Reasons to Review or Switch Your Workers' Comp

Don't keep paying for problems that deserve a second look. If two or more of these sound familiar, a review is worth the call.

1. Rising PremiumsCompare competing carriers and check whether the price reflects your operations and loss experience.See workers comp rate changes by state
2. Cancellation or NonrenewalLine up replacement coverage and placement options before the current policy ends.Talk to a broker about replacement coverage
3. Surprise Audit BillsAsk about monthly reporting, payroll-linked billing and better payroll estimates.Reduce workers comp audit surprises
4. Classification QuestionsAsk the carrier how each classification on your policy was decided and how payroll is split.See how class codes are assigned
5. A High Experience ModReview loss trends, safety steps and whether the experience rating data is accurate.
6. Too Few Carriers QuotingSee whether more markets or underwriting plans may fit your business.Shop my workers comp
7. Hard-to-Place WorkFind carriers that write contractors, restaurants, breweries and other hard-to-place trades.Find workers comp for your trade
8. Poor Claims ServiceCompare claims professionals, medical management and appropriate defense support.
9. Uneven Payroll and Cash FlowExplore monthly payroll reporting, pay-as-you-go and other payment options where available.
10. New Contracts, Crews or StatesCheck coverage requirements before you grow, enter a new state or start a project.Compare California, Arizona and Nevada rules

Build Your Crew by Class Code

Have your policy handy? Turn your class codes into a crew: one lane of people per class, an estimated payroll, and a quote request that fills itself in. It never picks a class code for you.

Workers' Comp Is More than a Rate. It's a Business Strategy.

A thorough review looks at the whole program, not just two premiums side by side.

• Competitive PricingCarrier options and rating plans that fit your trade and state.
• Possible CreditsSafety, schedule rating and other underwriting adjustments.
• Payroll AccuracyMonthly reporting and pay-as-you-go availability.
• Audit PreparationPayroll, duties by classification and subcontractor files.
• Claims SupportAdjuster access, medical management and claims resources.
• Defense ResourcesCarrier-provided workers comp defense, where the policy provides it.
• Experience RatingYour mod, your loss history and what could improve it.
• Long-Term PlanningSafety, return-to-work and risk-management habits.