Employees
Workers’ compensation
Workers’ compensation for employee injuries and employers liability for related claims against the employer, subject to state requirements.
Workers’ compensation pricing and eligibility depend on where people work, what they do, how payroll is classified, and the employer's loss experience.
Who this covers
- Property owners with employees
- Property-management operations
- Building service staff
- Commercial businesses
- Eligible associations
What underwriters look at
- State requirements
- Class codes (categories based on the work employees perform)
- Payroll by role and state
- Experience modification (a claims-history factor used in pricing)
- Subcontractor and officer treatment
Common questions
Why does payroll classification matter?
Rates vary by the work performed. Accurate duties and payroll allocation help the carrier apply appropriate classifications and reduce audit surprises.
Will the policy be audited?
Many workers’ compensation policies are subject to audit. The carrier determines the audit process and final premium under the policy terms.
Start a conversation
Tell us about the employees and payroll.
Share the details and current coverage you already have. We’ll tell you what else is needed.