Workers' compensation
Workers' comp that makes sense before the audit.
In South Dakota, once you have employees you need it. And plenty of general contractors will not let you on site without a certificate, even if it is just you.
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What we place
Payroll tells the real story.
- Workers' comp based on the real mix of field labor, driving, estimating and office work.
- Owner coverage choices that match how you work.
- Audit preparation built around current certificates from every subcontractor.
What trips contractors up
The audit follows the payroll and the subs.
- Uninsured subcontractors can be charged to your policy at audit.
- A generic payroll total does not tell the carrier who does high-risk field work and who works in the office.
- An experience mod and three years of loss runs can materially change a quote.
What we need to quote
Bring the payroll picture, then get ahead of the audit.
- Your FEIN and a plain description of the work you do.
- Payroll for the next 12 months, split by field labor, driving, estimating and office.
- Each owner and whether they want to be covered.
- What you pay subcontractors and whether they carry their own workers' comp.
- Three years of loss runs from your current insurance company and your experience mod, if you have one.
The premium you pay up front is an estimate. After the policy year, the insurance company checks actual payroll and subcontractor costs, then refunds or bills the difference. Keep a current certificate on file for every sub and the audit stops being a surprise.
Start my quote“
“They walked us through our first workers' comp audit and we did not owe a dime extra.”
Chris and Ana P.
Electrical contractors, Tea
We help you get ready for every audit.
Bring us your payroll picture and your current subcontractor certificates before the audit notice arrives. It is a far better time to sort out the details.