Workers' Compensation for contractors

After three policy years, your mod is calculated by comparing actual losses to expected losses for your payroll and codes. A 0.80 mod reduces your premium 20%; a 1.30 mod increases it 30%. One serious lost-time claim can move your mod for three years.

True independent contractors with their own coverage don't need to be on your policy. If a sub doesn't have their own workers' comp, carriers often add their payroll to your audit. Require certificates from every sub and keep them current.

Cost depends on trade, revenue, payroll, crew size, and loss history. We quote your actual operation in about 15 minutes — never a generic ballpark from a standard commercial form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes contractor programs nationwide across every trade.

Typically 15 minutes on a call. We ask about your trade, revenue, payroll, loss history, and coverage needs — then come back with real quotes from specialty contractor markets.

Often yes. We have admitted and E&S markets for contractors with prior GL claims, workers' comp losses, or difficult project types. Tell us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper and cleaner than separate policies from separate carriers — especially at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated carriers so the coverage is there when a completed-ops claim, a workers' comp injury, or a tools theft hits.

Yes. We write programs for GCs, specialty subs, design-build firms, and independent owner-operators across every trade. GL structure, umbrella limits, and professional liability needs differ — we build each program accordingly.

Yes. We review your subcontract requirements and structure your GL, umbrella, and additional-insured endorsements to meet them. Blanket additional-insured endorsements are available for contractors who work for multiple GCs.

Trade type, annual revenue, payroll and crew size, vehicles, tools value, project types, current coverage, and loss history. The more detail, the more accurate the quote.

GL covers bodily injury and property damage to occupants during your work. Additional care, custody, and control endorsements may be needed for high-value property in your care. Tell us your project types and we'll structure accordingly.

After binding, we issue certificates same-day. We can accommodate GC-specific language and additional-insured requirements. Call us with the specific certificate requirements.

Yes — and you should if you provide design-build, specifications, project management, or consulting services. GL doesn't cover errors in professional services; E&O/professional liability is a separate policy that does.

Yes. Most of our carrier programs offer monthly or quarterly installment payment options. We can structure your program payments to match your project billing cycle when possible.

New ventures are insurable — often at the same rates as established operations with clean loss histories. Some carriers require more information for startups; we know which markets are new-venture friendly.