Workers comp,plain English.
Everything a trade contractor should know about workers comp — without the industry jargon or the sales dance. Written by a licensed agent who writes workers comp every day.
- Fundamentals14 min read
Workers Comp 101 for Contractors: Everything You Need to Know
A plain-English guide to workers compensation insurance for trade contractors. How premium gets calculated, what class codes mean, how experience mod works, how to lower your rate, and the mistakes contractors make most.
Read the guide - Deep Dive10 min read
Experience Modifier Explained: How the Biggest Variable in Your Workers Comp Premium Actually Works
Your experience mod can swing your workers comp premium by 40% or more in either direction. Here's exactly how it's calculated, why 3 years matters, what it means in real dollars, and five concrete ways to lower it.
Read the guide - Deep Dive11 min read
Workers Comp Premium Audits: What to Expect and How to Survive One
Every workers comp policy ends with a premium audit. Most contractors aren't ready for it and get hit with unexpected bills. Here's how audits work, what auditors look at, how to prepare, and what to do if you disagree with the findings.
Read the guide - How To12 min read
How to Lower Your Workers Comp Rate: 7 Strategies That Actually Work
Most contractors overpay for workers comp because they don't know which levers move the number. Here are the seven real strategies — ranked by impact — that can cut your premium 15–40%, with concrete examples and the math behind each.
Read the guide
Workers comp glossary
23 industry terms defined in plain English. Class codes, experience mod, premium audit, NCCI, and every other acronym you'll run into. Bookmark it.
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