Workers comp for contractors and trades

Save 10% to 15% on your contractor workers comp premium.

Workers comp is usually a contractor's largest insurance bill, and it is priced on details few people check. Aiden Risk reviews your class codes, payroll and experience mod, then re-shops the policy across 100+ carriers.

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  • 100+ Carriers
  • 140+ Risk Signals
  • 48-Hour Placement

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.

See what your workers comp should cost.

Tell us your trade, your crew size and your annual payroll. A licensed specialist compares your current premium against real quotes.

Prefer to talk? Call (650) 263-6399

Where the savings come from

What drives contractor workers comp premium

Premium is payroll multiplied by a rate for each class of work, adjusted by your claims record. Each piece can be wrong.

Class codes

Office staff, estimators and field crews carry very different rates. Payroll filed under the wrong code is one of the most common reasons contractors overpay.

Payroll estimates

Premium is charged on estimated payroll and trued up at audit. Estimates set too high tie up cash; too low and a large audit bill follows.

Experience mod

Your experience modification rate compares your claims to others in your trade. We check it for errors and show which claims are still driving it.

Pay-as-you-go billing

Premium can be billed with each payroll run instead of a large deposit, so you pay on real payroll and the audit holds fewer surprises.

What you are buying

What workers comp covers

Medical costs

Treatment for employees injured on the job, from a cut hand to a fall from a ladder.

Lost wages

Partial wage replacement while an injured employee recovers and cannot work.

Employer's liability

Defense and damages if an employee sues you over a workplace injury.

How it works

Your premium, re-shopped in three steps

  1. Send us your current policy

    Share your declarations page or tell us what you pay today. That is the benchmark every quote is measured against.

  2. We re-shop it across 100+ carriers

    A licensed specialist corrects the rating details and takes the submission to the carriers currently writing your line.

  3. Compare, then decide

    You see real quotes side by side with your current premium. Switch only if the numbers and the cover are better.

FAQ

Contractor Workers Compensation questions, answered

How is contractor workers comp calculated?

Each class of work has a rate per $100 of payroll. The carrier multiplies your payroll in each class by its rate, then adjusts the total by your experience mod and any credits or surcharges. That is why class codes and payroll accuracy matter so much.

Do I need workers comp if I only use subcontractors?

Often yes. If your subs do not carry their own workers comp and cannot show a certificate, many states treat their workers as yours, and your carrier will charge for them at audit.

Do you place workers comp in every state you are licensed in?

Aiden Risk is licensed in 16 states. In Ohio and Washington, workers compensation can only be bought from the state fund, so private carriers cannot quote it there. If you operate in either state we will tell you that up front and still review the rest of your program.

See every line we place for contractors.

Get your workers comp priced on the work you actually do.

Aiden Risk re-shops contractor workers comp across 100+ carriers, with a licensed specialist on every account.

Prefer to talk? Call (650) 263-6399

Savings are not guaranteed. Premiums are set by the insurance carrier after underwriting and depend on your operations, payroll, loss history and state.