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Protect your business and your employees if a work-related injury occurs.
Coverage for contractors against work-related injury claims
Workers’ compensation insurance protects both employers and employees against the financial impact of workplace injuries. It covers medical expenses, lost wages, rehabilitation, and other expenses related on-the-job injuries.
★★★★★5/5
Our team assisted a large multi-state contractor with their operations by controlling their experience mod and structuring their workers’ comp policy to provide the necessary coverage while also achieving significant savings.
Current Leif Customer
Address the following risks with workers’ comp insurance
Contractors face unique challenges that make workers’ comp coverage absolutely essential.
Legal requirements and OSHA compliance: While work comp requirements vary by state, most contractors are legally required to have it.
High injury rates: Construction is one of the most dangerous industries. Workers face hazards like falls, heavy machinery, and repetitive strain.
Complex subcontractor relationships: Injured subs without their own work comp policy may try to pursue injury claims against you.
Tight margins: Construction is a highly competitive field. One or two jobsite injuries without work comp coverage could drain your earnings.
Our construction specialists will tailor an insurance program to your business addressing these risks and more.
Master workers’ comp complexities with the experts
We know construction – and we know it can be challenging to navigate workers’ comp premium audits and your experience modification factor. We’ll be on your side every step of the way to make sure your questions are answered.
Your Leif team provides the following services, included in your partnership.
Safety-focused contractors receive more discounts.
Today, we have technology proven to reduce risk. This gives safety-focused contractors an opportunity for better coverage at lower rates. Here’s how we use innovative insurance solutions, AKA: Real-Time Risk Management,tohelp contractors boost productivity, protect their operations, and win more jobs.
Multi-state coverage for contractors of all trades
Leif is actively building the next big cost-saving program for construction insurance. Creatively serving contractors of all shapes and sizes, we offer customized coverage for:
Workers’ compensation insurance provides medical, wage, and other financial benefits to employees who are injured or become ill on the job. This type of coverage is legally required for most construction businesses. Workers comp mandates and benefits vary by state.
Workers comp insurance covers injuries and illnesses that arise in the course and scope of the claimant’s job. Many claims are cut and dry, but some require a claim investigation to determine their compensability. For example, a worker who cut his hand on a table saw would be clearly covered by the policy. But an employee who twisted her ankle jogging and then agitated the injury on the jobsite would likely not see the same level of compensability.
Workers’ compensation insurance is mandated for many businesses by state law. The requirements for the construction industry are generally stricter than others due to the high-risk nature of the work. It’s important to know that if a subcontractor performing work for you is injured, you may be liable for the injury as if they were your employee.
Your business’s history of workers’ compensation claims can impact your ability to bid on and win contracts. Every organization has an experience modification factor that compares its loss history to that of similar businesses in the industry. If your company has a better-than-average claims experience, your e-mod will be less than one. If your claims experience is worse than average, it will be more than one. Many projects, including government contracts, require bidding contractors to have an e-mod less than one.
Usually, owners and officers are covered by a business’s workers’ compensation policy by default. However, many states allow them to exclude themselves from coverage. The laws governing officer exclusion vary by state. They may permit officer exclusion for companies with less than a certain number of officers, or have guidelines for specific industries like construction and nonprofit. Your agent can help you navigate your options for officer exclusion.
Controlling insurance spend is a top priority for general contractors. The best way to control costs is to get a thorough, accurate, and real-time view of your business’s risk.
How?
By partnering with construction experts to assess your risk and collect data using fleet management technology.
This information helps you improve safety, streamline maintenance, and boost efficiency. It also qualifies you for discounts based on safe operator behavior – and it’s only available from Leif.
More than an insurance agent: Our Consultative Approach
As your construction operation grows, your risks compound. Leif’s in-house experts help you create risk and bond strategies tailored to your business.
At Leif, we use a consultative approachto provide ongoing guidance. Our proven five-step process ensures your risk management plan aligns with your goals.
Personalized serviceyou can count on, every time
We deliver exceptional service across all lines of insurance by promising to:
Identify coverage gapsand quickly secure new policies
Partner with strong carriersto offer the best program available
Respond quickly to calls, texts, and chat during business hours
Offer after-hours claims consultation for 24/7 emergency support
Deliver mostCOIs within 2 business hours and bonds overnight
Create a strategy tomaximize your bond capacity for growth
Whether you’re a large multi-state firm, local trade contractor, or something in between – you can hold us to our promise.
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