A roofer and a flooring contractor need the same policies on paper and almost nothing alike in practice. Your class code decides what you pay, which carriers will even look at you, and what a general contractor will demand before you start. Find your trade below.
Workers' Comp isn't quoted on your business — it's quoted on the work your crew actually performs, code by code.
payroll is split across classifications, and putting the wrong hours in the wrong code costs real money at audit
several California construction codes have a high/low wage split — cross the threshold and the rate drops sharply
carriers that fight for a C-15 flooring account won't quote a C-39 roofer at any price — knowing who writes what is the job
Whatever your classification, the stack starts here — how much of each depends on your trade and your contracts.
Not sure which classification you fall under, or whether you need Workers' Comp yet? Run the free requirement check.
We write across California construction — glazing, septic, solar, demolition, tree service and more. Tell us your classification and we'll quote it, usually within one business day.