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?

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.

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.

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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WhaT Our Clients Say

      
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       Nick T 
 
 
 Trustindex verifies that the original source of the review is Google. Sam was easy to work with and I received the quote I asked for without him trying to up-sell me. I will recommend him to others.
  
 
      Justin D 
 
 
 Trustindex verifies that the original source of the review is Google. Very responsive and quick with anything needed. Great company!
  
 
      Cheyenne A 
 
 
 Trustindex verifies that the original source of the review is Google. I have worked with ACI for several years, and they have consistently provided outstanding service. They are, without a doubt, one of the best insurance brokerages for all your insurance needs. Their team is knowledgeable, dependable, and easy to communicate with. What I appreciate most is that they take the time to educate you throughout the process, ensuring everything is clearly explained with no surprises or gray areas.
I would especially like to recognize Christina Bommarito for her exceptional service. She is professional, personable, respectful, and genuinely committed to her clients. You can trust that she'll be there when you need her, and she always goes above and beyond to provide the support and guidance you deserve. I highly recommend ACI to anyone looking for a trustworthy insurance brokerage.
  
 
      Julio R 
 
 
 Trustindex verifies that the original source of the review is Google. Shawn did a phenomenal job helping me with the business insurance for Lone Ranger Roofing. He took the time to shop multiple options and made sure we had the right coverage at a competitive price.

What really stood out was his level of customer service. He even helped me get a roof claim removed from our claims history after determining it was a false claim, which was a huge help.

Shawn was responsive, knowledgeable, and went well beyond what I would normally expect from an insurance broker. If you're a business owner looking for someone who will actually take the time to advocate for you and find the right coverage, I highly recommend Shawn.
  
 
      Rachel L 
 
 
 Trustindex verifies that the original source of the review is Google. Awesome experience. Easy to talk to regarding boring business stuff. Really went to bat for our small business. Highly recommend especially to small businesses owners. Will be passing his contact information around to any business owner that wants to save money but will receive a quality service and product
  
 
      Keith S 
 
 
 Trustindex verifies that the original source of the review is Google. Great guy very understanding and helps you in every way
  
 
      Greg M 
 
 
 Trustindex verifies that the original source of the review is Google. I ask for a COI and before I can even think about it they have a copy of it sent to me. I love this place.
  
 
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 Trustindex verifies that the original source of the review is Google. El señor Bobby brinda un  excelente servicio 100 % recomendado
  
 
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 Trustindex verifies that the original source of the review is Google. Jillian really helped me throughout the process.  Great service and timely responses
  
 
      Bryan M 
 
 
 Trustindex verifies that the original source of the review is Google. Jillian was very helpful and friendly. Provided the prime example of excellent customer service.

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.