Workers' Comp for Construction and Contractors

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Why do construction businesses need workers' comp insurance?

Construction professionals—including contractors, builders, and handymen—may be easily injured in their workplaces and should carry appropriate insurance coverage in case of accidents. Workers’ compensation, sometimes called workers’ comp or workman’s comp, can help cover medical fees and lost wages for construction-work-related injuries.

 

Not only is workers’ comp coverage legally required for almost all construction businesses with employees‚ but it also helps provide protection for the business by reducing its financial risk. For every dollar spent on a workers’ comp claim, $5 are spent in indirect costs—such as lost productivity, hiring and retraining construction workers, and replacing or repairing damaged equipment.

 

The most common injuries experienced by contractors and construction employees are:

 

Falls (from heights)

– Trench collapse

– Scaffold collapse

– Electric shock and arc flash/arc blast

– Failure to use proper personal protective equipment

– Repetitive motion injuries

 

Learn more about how workers’ compensation insurance can help protect construction small businesses.

What do small business owners say about Pie?

Over 80% of small businesses overpay for workers' comp coverage.

What does workers' compensation insurance cover?

Workers’ compensation insurance helps provide medical, rehabilitation, and disability benefits for contractors and construction employees who become injured as a direct result of their job. Workers’ comp may also pay death benefits to an employee’s dependents if the construction worker is killed in a work-related incident.

 

In addition to helping contractors and construction employees and their families, workers’ compensation insurance can also help protect construction business owners. Workers’ compensation helps protect construction businesses from liability for employees’ workplace injuries, and it helps keep employers from having to pay directly out of pocket for those injuries. This coverage may reduce the risk of a significant financial loss if a contractor or construction employee is harmed while performing work duties.

 

Depending on the laws in your state, to be considered compensable and therefore eligible for workers’ compensation, construction injuries must:

 

  • have happened to a construction employee (not a vendor or independent contractor),

  • be the result of a construction workplace injury or illness during employment, and

  • cause impairment and/or lost wages.

What are relevant types of class codes?

When you’re ready to start your 3-minute quote, you’ll need to know your construction business’s class code.

 

A class code is assigned by the National Council of Compensation Insurance (NCCI) or by state agencies—and is created based on the activities and risk level the work requires.

 

There are many different workers’ comp class codes within the construction industry. Below are a few of the most common class codes in the industry.

 

0042 – Road construction

5069 – Iron or steel construction

5213 – Concrete construction

5606 – Contractor, project manager

5610 – Debris removal

6233 – Pipeline construction