Workers' Compensation - Easy to Understand and Affordable Plans
At Contractors Choice Agency, we make Workers' Comp simple. With flexible payment options and comprehensive coverage, we'll help you protect your employees and meet state requirements without the hassle.
Call Now: (800) 918-3584 or 844-WORK-247
Why Workers' Comp is Critical for Contractors
Workers' Compensation is state-mandated insurance that protects both you and your employees when workplace injuries occur. It's not optional—it's the law in most states as soon as you hire your first employee.
What's Covered Under Workers' Comp
Medical Benefits
- Emergency room visits and hospitalization
- Doctor visits and specialist care
- Surgery and medical procedures
- Prescription medications
- Physical therapy and rehabilitation
- Medical equipment and supplies
Wage Replacement
- Temporary disability benefits (partial wage replacement)
- Permanent disability compensation
- Vocational rehabilitation services
Death Benefits
- Funeral expenses
- Financial support for surviving spouse
- Benefits for dependent children
Coverage for Common Contractor Injuries
- Falls from ladders, roofs, or scaffolding
- Back injuries from lifting heavy materials
- Cuts and lacerations from tools
- Burns from electrical work or welding
- Vehicle accidents while on the job
- Repetitive stress injuries
- Heat exhaustion and heat stroke
Payment Options to Fit Your Business
1. Traditional Annual Policy
- Pay estimated premium upfront
- Subject to year-end audit
- May result in additional payments or refunds
2. Pay-As-You-Go Programs
- No large down payments
- No year-end audits
- Pay based on actual payroll each period
- Better cash flow management
- More accurate premium calculations
3. PEO (Professional Employer Organization)
Our most popular option for contractors!
What's Included:
- Workers' Compensation coverage
- Complete payroll processing
- HR compliance and support
- Employee benefits administration
- Safety programs and training
- Multi-state coverage
PEO Benefits:
- One monthly payment for all services
- No audits - ever
- Better rates through master policies
- Less paperwork and administration
- Professional HR support
- Access to big-company benefits for employees
State Compliance Made Easy
With licenses in 50 States, Contractors Choice Agency handles the complex state-by-state requirements for you:
- Monopolistic states (ND, OH, WA, WY) - We'll guide you through state fund requirements
- Multi-state operations - Seamless coverage across state lines
- Certificate management - We handle all your certificate needs
- Compliance monitoring - Stay current with changing regulations
Exemption Information
Some business owners may be eligible for workers compensation exemptions in certain states. If you're a sole proprietor, partner, or corporate officer, you might qualify for coverage exemptions. View workers compensation exemption forms and requirements by state to see if you qualify.
Class Codes We Specialize In
- General Contractors
- Residential Builders
- Roofing Contractors
- Electrical Contractors
- Plumbing/HVAC
- Concrete and Masonry
- Painting and Drywall
- Landscaping
- And many more contractor classifications
Why Choose Contractor's Choice Agency?
- 20+ years of contractor insurance expertise
- Licensed in 50 States - coverage wherever you work
- Multiple payment options to fit your cash flow
- Fast certificates - often same day
- Claims support when you need it most
- Competitive rates from A+ carriers
Get Your Workers' Comp Quote Today
Don't wait until it's too late. Whether you're hiring your first employee or looking for better rates on existing coverage, we're here to help.
Call Now: (800) 918-3584 or 844-WORK-247 (844-967-5247)
Email: info@contractorschoiceagency.com
Ask about our PEO programs for the ultimate in convenience and cost savings!
