Workers Compensation Insurance
for Contractors
Protect Your Team, Protect Your Business
Affordable coverage designed for contractors and construction businesses. Get a fast, no-obligation quote today!
What is Workers’ Compensation Insurance?
Workers’ compensation insurance is a state-required coverage that protects your business and employees if a work-related injury or illness occurs. It pays for medical expenses, lost wages, rehabilitation, and even death benefits—while protecting your company from costly lawsuits.
At Affordable Contractors Insurance, we understand the risks contractors face and provide tailored coverage to keep your business compliant, your crew protected, and your projects moving forward.
What Does Workers’ Compensation Cover?
Workers compensation insurance is essential for contractors because it protects your business from:
- Medical Expenses: Covers doctor visits, hospital stays, surgeries, and rehabilitation services for injured employees.
- Lost Wages: Provides wage replacement so injured workers can recover without financial stress—and without coming out of your pocket.
- Disability Benefits: Offers temporary or permanent disability benefits to workers who can’t return to the job right away—or at all.
- Employer Liability Coverage: Protects your business if an injured employee files a lawsuit, covering legal fees and settlements.
What Happens Without Workers’ Comp?
- Hefty Medical Bills: Without coverage, your business is responsible for medical expenses, which can run into tens of thousands of dollars—or more.
- Wage Replacement Out of Pocket: If your crew can’t work, you’ll have to cover their wages yourself—putting a major strain on your cash flow.
- Legal Trouble: Most states require worker’s comp. Operating without it could result in penalties, fines, or lawsuits—and potentially shut down your business.
How Much Does Workers’ Comp Cost?
Several factors affect your worker’s comp premium, including:
- Business Type and Risk Level: Trades with higher injury risk, like roofing or demolition, may see higher premiums.
- Total Payroll: Larger payrolls generally result in higher premiums, as they cover more employees.
- Claims History: A clean record can help lower your premium, while previous claims may raise costs.
- $0.75–$2.74 per $100 of payroll (depending on trade and risk level)
- Annual Premiums: Typically range from $2,000–$10,000 for small to medium-sized contracting businesses, with higher premiums for higher-risk trades
- Policy Limits: Policy limits vary based on state regulations and specific coverage needs but typically provide up to statutory limits for medical expenses and two-thirds of weekly wages for lost income.
Benefits of ACI’s Workers’ Compensation Insurance
When you insure with Affordable Contractors Insurance, you get more than just coverage—you gain a reliable partner who understands the demands of contractor work.
- Fast Claims Processing – Your employees receive timely medical care and wage replacement.
- Exclusive Rates for Contractors – Save up to 25% with custom policies for high-risk trades.
- Compliance Support – ACI stays up-to-date on state-specific requirements.
- Ongoing Policy Support – Year-round assistance with audits, payroll adjustments, and more.
Who Needs Workers’ Comp Insurance?
Most states require businesses with employees—even just one—to carry workers’ compensation insurance. If you’re a contractor, subcontractor, or run a construction business, this coverage is essential not only for legal compliance but also to secure contracts and keep your business running smoothly.
You need workers’ comp insurance if you:
Employ Staff
Hire employees, including part-time or seasonal workers
Use Subcontractors
Work with subcontractors or independent contractors on your projects
Operate as a Contractor
Run a general contracting or specialty trade business
Meet Requirements
Need to satisfy state licensing or client contract rules
Protect Your Business
Want coverage against costly workplace injury claims
If you’re bidding jobs, hiring help, entering client homes, or managing work crews—you need insurance.
Why Choose Affordable Contractors Insurance?
When it comes to workers compensation insurance, you need a provider who understands the unique risks of your industry. Affordable Contractors Insurance specializes in helping contractors get the right coverage—quickly and at a price that fits your budget.
- Specialized for Contractors
- Fast, Hassle-Free Quotes
- Competitive Rates
- Expert Guidance
- Nationwide Coverage
Get Your Workers’ Comp Coverage Today
Protect your team, meet state requirements, and keep your business running smoothly. Workers’ compensation insurance is essential to safeguarding your employees and ensuring your business stays compliant and resilient.
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Workers Compensation Insurance by State
Get Affordable Coverage Near You
We offer workers’ compensation insurance for contractors in all 50 states, making it easy to protect your business and your employees—no matter where the job takes you. Our experts help you navigate state-specific requirements and get the right coverage fast. Ready to get started? Contact us for a local quote or use our simple tool below.