Workers Compensation: Protecting the Backbone of Your Business

But this isn't just about care—it's also about compliance. We help contractors navigate complex state and federal requirements, reducing the risk of fines or legal action. Our policies are designed to meet mandatory standards and reflect the real-world risks faced on job sites every day.

We understand that no two businesses are alike. Whether you run a small subcontracting crew or manage multiple teams across job sites, our team takes the time to learn about your operation and design coverage that fits just right. With years of experience in the contractor insurance space, we know what to look for and how to protect you from costly gaps.

Who Needs Workers' Compensation Insurance?

If you hire employees—even part-time or seasonal—you're likely required by law to carry workers' comp. This applies to a wide range of trades and business sizes, including:

• General Contractors
• Subcontractors
• Electricians
• Roofers
• Plumbers
• Landscapers
• Demolition Crews
• Framers & Carpenters
• Concrete & Masonry Contractors
• HVAC Technicians
• Painters and Finishers

Whether you're a sole proprietor bringing on your first helper or managing a crew of 50+, we have scalable policy options to meet your needs.

Claims don't wait for business hours, and neither do we. Our support team is available 24/7 to guide you through claims, explain your policy, and respond to your needs with urgency and care. And with our commitment to fast certificate issuance, you can return to work without delays or missed opportunities.

What Happens When an Injury Occurs?

When a worker is injured on the job, time is of the essence. With our streamlined claims process:

1. Report the injury quickly through our online portal or support team.
2. Medical treatment is arranged immediately, with no out-of-pocket costs for the employee.
3. Lost wage benefits kick in for eligible claims, reducing financial stress.
4. Ongoing communication ensures your employee is cared for and your business stays in the loop.

We'll work with your injured employee, medical providers, and claims adjusters to make the process as smooth and stress-free as possible.

We also believe in helping you prevent claims before they happen. We help you build a safer work environment and reduce your overall insurance costs over time through access to safety programs, compliance resources, and job site best practices. Many clients benefit from Experience Modification Rate (EMR) discounts that reward strong safety records.

At the heart of everything we do is a commitment to service. Top Contractors Insurance Services Inc. was founded on the belief that great insurance starts with great relationships. We stay connected with our clients long after the policy is written—protecting your business is an ongoing commitment, not a one-time transaction.