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Workers' Comp Insurance for Contractors

Workers' Comp Insurance

Serving Contractors throughout the Twin Cities Metropolitan area and Western Wisconsin

Carpenter in his shop
Painting Trim and shutters

What is Workers Compensation Insurance?

Workers’ Compensation Insurance is designed to provide financial and medical benefits to employees who suffer work-related injuries or illnesses.

This coverage ensures your employees get the care they need while protecting your business from legal and financial repercussions.

Think of it as a safety net for both your team and your business.

Man installing wood flooring in home.
Electric Outlet Installation

Why Contractors need Workers' Comp Insurance:

As a contractor, your employees often face hazardous working conditions. Here’s why Workers’ Compensation Insurance is essential:

  • Legal Requirements: Most states require businesses to have Workers’ Compensation Insurance. Stay compliant and avoid costly penalties.

  • Protection for Employees: Ensures that injured workers receive proper medical care and compensation for lost wages, fostering a safe and supportive work environment.

    Financial Security for Business: Protects your business from potential lawsuits and significant financial loss due to workplace injuries or illnesses.


Benefits of Workers' Compensation Insurance:

  • Financial Security: Avoid unexpected expenses related to employee injuries and illnesses.

  • Peace of Mind: Focus on your projects, knowing your employees are protected and your business is compliant with legal requirements.
  • Enhanced Professional Reputation: Show clients and employees you are a responsible and caring contractor by having the right coverage.

Drywaller finishes an archway.

What's covered?

  • Medical Expenses: Covers the cost of medical treatment for work-related injuries or illnesses.

  • Lost Wages: Compensates employees for lost income while they recover from their injuries.

  • Rehabilitation Costs: Provides coverage for rehabilitation services to help injured employees return to work.

  • Death Benefits: Offers financial support to the families of employees who suffer fatal work-related injuries.

Real Life Scenarios

Imagine one of your employees is injured on a job site and requires extensive medical treatment, or another employee needs time off to recover from a work-related illness.

In these scenarios, Workers’ Compensation Insurance ensures your employees receive the care they need while protecting your business from financial strain.

Here’s what some of our clients have to say:

“When an employee was injured on the job, Workers’ Compensation Insurance covered all medical bills and lost wages, allowing us to focus on the business.”

“Knowing that our team is protected gives us peace of mind and helps us maintain a positive and safe work environment.”

Get An "Apples to Apples" Insurance Quote


We verify current premiums, limits, coverages, deductibles, and declaration pages from all your commercial policies in just a few seconds.


We will reach out to you after we have verified your insurance to learn about your business needs and verify your current coverages.


We prepare your new insurance quote and present to you over the phone, in person or we'll email it to you. Your choice!


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