Products
WC / Employee coverage
Workers Compensation
Workers compensation is the employee injury coverage businesses review when they hire staff, run crews, or need to satisfy state and contract requirements.
Coverage
What it usually handles
- 01Employee workplace injuries and occupational illness claims.
- 02State-specific payroll, class code, and ownership questions.
- 03Evidence of coverage for contracts, leases, and customer requirements.
Triggers
When it comes up
- 01You hire W2 employees, crews, technicians, servers, or helpers.
- 02A customer or contract asks for workers comp before work starts.
- 03You operate in a state where employee count triggers coverage requirements.
Quote file
Inputs carriers usually need
- 01Payroll by state, owner inclusion or exclusion, and employee duties.
- 02Class codes, subcontractor exposure, and prior experience modifiers.
- 03Current policy terms, losses, and state filings when applicable.
Routing
Match the product to the operation
The same product can underwrite differently for a contractor, restaurant, retailer, consultant, or transportation business.
Requirement
Contract, lease, certificate, limit, additional insured, state rule, or lender request.
Operation
Services, locations, payroll, vehicles, tools, property, revenue, and prior losses.
Market fit
Carrier appetite, required forms, exclusions, limits, and supporting coverage lines.