Blog topic · 9 articles
These articles explain workers' compensation for construction businesses, including state coverage requirements, premium audits, experience modification rates, and employee versus independent contractor questions. Posts are listed newest first.
California is ending the no-employee workers' comp exemption for nearly every license class on January 1, 2028. Here is who is already affected, what the delay from 2026 changed, and how sole owners can get ahead of it without overpaying.
Read articleCalifornia's benchmark workers' comp rate rose to $1.65 per $100 of payroll, and the dual-wage thresholds for 13 construction trades went up by $2 to $5 an hour. Here is what that does to your renewal and how to soften it.
Read articleThe premium audit at the end of your policy year is where contractors get hit with unexpected five-figure bills. Here is exactly what auditors look at, the three mistakes that cost the most, and the records to have ready.
Read articleTexas is the only US state where workers' compensation is elective. This guide explains the practical difference between subscriber and non-subscriber status for Texas contractors, the real-world risk of going bare, and when each makes sense.
Read articleUnderstand exactly what workers compensation insurance covers for construction workers, what it excludes, how claims work, and what benefits injured employees receive.
Read articleLearn how workers' comp audits calculate your final premium, why payroll classification matters, and how to prepare so you don't get hit with a surprise bill.
Read articleLearn California's workers' comp laws, who must carry coverage, exemptions, penalties for non-compliance, and how to get affordable coverage.
Read articleUnderstanding the insurance implications of worker classification and how to properly protect your business with independent contractors.
Read articleUnderstanding how your EMR is calculated, what affects it, and strategies to improve your experience modification rate over time.
Read articleCoverage details, requirements, and quote options related to this topic.
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