Workers' Compensation

Protect Your Crew. Protect Your Business

Accidents happen—even with the most experienced crew. Whether it’s a fall from a ladder, a tool-related injury, or a job-site mishap, work injuries can lead to hefty medical bills and lost wages. Without workers’ compensation insurance, those costs fall on you—and the impact could threaten your entire operation. At Affordable Contractors Insurance, we know contractors’ risks better than anyone else. Our workers’ comp policies keep your business compliant, your crew protected, and your projects moving forward.

What Does Workers’ Compensation Cover?

General liability 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?

Skipping worker’s comp coverage is a gamble that could cost you:

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.

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.