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WorkersCompCodes
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Why business owners choose us

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We shop your business across 12+ top carriers and find the best price. Most clients save 20-40%.

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Need a COI for a job site or general contractor? We issue certificates within hours, not days.

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Pay-as-you-go

No big upfront deposit. Pay premium based on actual payroll, month by month.

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Audit protection

We review every audit and dispute incorrect class codes. Most policies are misclassified — and overpaying.

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Licensed in all 50 states

From California to New York, sole prop to 500-employee operations — we place coverage everywhere.

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Workers' Comp by Industry

Every trade has its own class codes and rates. Click yours to see typical coverage, rates, and class code breakdown.

Construction

5403, 5645

Carpentry, GC, framing, residential & commercial

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Roofing

5551

One of the highest-risk class codes — we know how to place it

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Plumbing

5183

Residential & commercial plumbing contractors

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Electrical

5190

Electrical wiring inside buildings

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HVAC

5538

Heating, A/C, ventilation install & service

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Painting

5474

Interior & exterior painting contractors

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Landscaping

0042

Lawn care, tree service, hardscaping

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Restaurants

9082, 9083

Full-service & fast food, no liquor or with liquor

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Retail

8017, 8008

Small storefronts, boutiques, convenience

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Cleaning / Janitorial

9014

Commercial cleaning, residential housekeeping

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Auto Repair

8380

Body shops, mechanic shops, oil change

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Trucking

7228, 7229

Local & long-haul, owner-operators

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Browse all 700+ NCCI class codes →

Workers' Comp Rules by State

Every state has different requirements, exemptions, and rates. Find yours.

AL Alabama AK Alaska AZ Arizona AR Arkansas CA California CO Colorado CT Connecticut DE Delaware FL Florida GA Georgia HI Hawaii ID Idaho IL Illinois IN Indiana IA Iowa KS Kansas KY Kentucky LA Louisiana ME Maine MD Maryland MA Massachusetts MI Michigan MN Minnesota MS Mississippi MO Missouri MT Montana NE Nebraska NV Nevada NH New Hampshire NJ New Jersey NM New Mexico NY New York NC North Carolina ND North Dakota OH Ohio OK Oklahoma OR Oregon PA Pennsylvania RI Rhode Island SC South Carolina SD South Dakota TN Tennessee TX Texas UT Utah VT Vermont VA Virginia WA Washington WV West Virginia WI Wisconsin WY Wyoming

Workers' Comp FAQs

Real answers to the questions business owners ask us every day.

How much does workers' compensation insurance cost?
Workers' comp rates depend on your state, payroll, and class code. Nationally, rates range from $0.10 to $30 per $100 of payroll. For a clerical office worker (class code 8810), expect about $0.15/$100. For a roofer (5551), it can be $20+/$100. Get a quote in 60 seconds to see your exact rate.
Is workers' comp required for my business?
Most states require workers' compensation insurance as soon as you have any non-owner employees — and California requires it even with one employee. Texas is the only state where it's optional for private employers. Sole proprietors are usually exempt but can elect coverage. See our state-by-state requirements page for your state's exact rules.
What is an NCCI class code and why does it matter?
NCCI (National Council on Compensation Insurance) assigns a 4-digit class code to each type of work — for example, 8810 for clerical, 5645 for carpentry, 5551 for roofing. Your class code determines your premium rate. Many businesses are misclassified and overpay. We audit your class codes for free.
How fast can I get coverage?
Most quotes come back within an hour, and we can issue a certificate of insurance the same day for most class codes. If you need a COI for a job site or contract by tomorrow, we can usually make it happen.
Do you offer pay-as-you-go workers' comp?
Yes — several of our carriers (including biBerk, EMPLOYERS, and AmTrust) offer pay-as-you-go workers' compensation, where you pay premium based on actual payroll each pay period instead of a large upfront deposit. This is ideal for seasonal businesses and growing companies.
What if I'm a 1099 contractor or sole proprietor?
Sole proprietors are typically exempt from carrying workers' comp on themselves, but if you hire any W-2 employees you'll likely need coverage. Many general contractors and clients now require even 1099 subcontractors to carry workers' comp before they can work on a job. We can quote sole-prop and 1099-friendly policies.
Can you help if I'm being audited or my premium jumped?
Absolutely. Many businesses get hit with large audit bills because their class codes were wrong or payroll was misclassified. We do free audit reviews and can dispute incorrect classifications with the carrier. In many cases we save clients thousands and re-write the policy at the correct rate.

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