Workers' Compensation Insurance for Contractors

Protect your employees and comply with state requirements. Get comprehensive workers' comp coverage with competitive rates and expert service from contractors insurance specialists.

Get Workers' Comp Quote Call (844) WORK-247

Why Contractors Choose CCA for Workers' Comp

With 20+ years specializing in contractor insurance, we understand your unique risks and deliver coverage that works for your business.

Industry Expertise

Our founder is a former contractor. We know construction risks and provide coverage designed specifically for your trade.

Competitive Rates

We work with A+ rated carriers to find you the best rates. Our experience modification programs help keep your costs down.

Fast Service

Get quotes in minutes, not days. We handle certificates, claims assistance, and renewals so you can focus on your projects.

Complete Protection for Your Workers

Workers' compensation provides essential protection for both you and your employees. When workplace injuries occur, proper coverage ensures everyone is protected financially.

Medical expenses and treatment

Lost wages during recovery

Permanent disability benefits

Vocational rehabilitation

Death benefits for families

Legal defense costs

Get Your Quote Today

Construction workers with safety equipment representing workers compensation coverage

Workers' Compensation by the Numbers

2.8M

Workplace injuries annually

Bureau of Labor Statistics

$170B

Total workers' comp costs

NASI

$41K

Average claim cost

NCCI

States we serve

CCA Licensed

State-Specific Requirements & Resources

Workers' comp requirements vary by state. Access our compliance guides for detailed information.

Florida Requirements

Required for all employees
Strict penalties for non-compliance

View Florida Guide

Michigan Requirements

Required with 3+ employees
Safety programs reduce rates

View Michigan Guide

Pennsylvania Requirements

Required for all employees
State fund available

View Pennsylvania Guide

Utah Requirements

Required with 1+ employees
DOPL compliance needed

View Utah Guide

Need information for a different state?

Contact Our Experts

Don't Wait Until It's Too Late

A single workplace injury can cost your business tens of thousands of dollars - or more. Without workers' compensation insurance, you're personally liable for:

All medical expenses and ongoing treatment
Lost wages during recovery period
Permanent disability payments
Legal fees and potential lawsuits
State fines for non-compliance

Protect your business and your workers with proper coverage. Get a quote today and see how affordable protection can be.

Related Resources & Guides

Workers' Comp Complete Guide

Everything contractors need to know about workers' compensation insurance, from requirements to cost-saving strategies.

Read Full Guide

Safety Program Resources

Implement safety programs that reduce claims and lower your workers' comp costs with our comprehensive toolkit.

Access Resources

General Contractors & Workers' Comp

Special considerations for general contractors managing subcontractors and ensuring proper coverage across projects.

Learn More

Frequently Asked Questions

Is workers' compensation insurance required for contractors?

Requirements vary by state, but most states require workers' comp if you have employees. Even if not required, it protects both you and your workers from workplace injury costs that can exceed hundreds of thousands of dollars.

What does workers' compensation cover?

Workers' comp covers medical expenses, lost wages, rehabilitation costs, and disability benefits for employees injured on the job. It also provides death benefits to families and protects employers from most injury-related lawsuits.

How are workers' comp rates calculated?

Rates are based on your industry classification codes, payroll amounts, claims history (experience modification), and state regulations. High-risk trades like roofing have higher rates than lower-risk office work.

Can I get workers' comp if I'm a sole proprietor?

Yes, many states allow sole proprietors to purchase voluntary workers' comp coverage. This protects you from injury costs and may be required by clients or for certain licenses.

What happens if I don't have workers' comp and someone gets hurt?

Without coverage, you're personally liable for all medical bills, lost wages, and potential lawsuits. Costs can easily reach $100,000+ for serious injuries. You may also face state fines and be unable to bid on certain projects.

Protect Your Workers and Your Business Today

Don't risk your business over workers' compensation. Get a quote in minutes and ensure you're properly protected.

Get Workers' Comp Quote

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