# Workers' Comp for Construction & Contracting Workers' comp for construction crews: medical and lost-wage cover with the class codes, audits, and certificates contractors are required to carry. ## Workers' comp for construction Workers' compensation is required in nearly every state once you have employees, and construction carries some of the highest-rated class codes there are. It pays medical costs and lost wages when a worker is hurt on the job, and it is a certificate every general contractor will ask for before your crew starts. ## What this policy responds to The core exposures this coverage line responds to. ## Typical operators on this line Who we most often place this coverage for. ## What this policy does not cover Common gaps clients assume are included. These usually need a separate line or an endorsement. ## What drives the cost Underwriters price this line on your specifics, not a flat rate. These are the factors that move a premium up or down. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Do I need workers' comp for subcontractors? If a subcontractor cannot show their own coverage, their payroll usually gets picked up on your policy at audit. Collecting certificates from every sub is the way to keep that off your premium. ### What is an experience modification factor? It is a multiplier based on your claims history relative to peers in your trade. A clean record lowers it and your premium; frequent claims raise both. We help you understand and manage it. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time. --- ## How to cite this page Cite as: "Workers' Comp for Construction & Contracting." Covered by Cornerstone. https://coveredbycornerstone.com/services/workers-comp-construction Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.