Construction Contractors Workers’ Compensation Insurance
Protect your crew. Protect your business. Stay compliant and control costs with a policy tailored for construction risks.
Employee Protection
Medical care, rehab, and partial wages for job‑related injuries.
Quote NowLegal Compliance
Required in CA and most states once you have employees—avoid penalties.
Quote NowFinancial Security
Shield your cash flow from unexpected injury expenses.
Quote NowConstruction Risks
Falls, machinery accidents, strains, electrical hazards, and more.
Learn MoreFast COIs
Same‑day certificates so projects never stall.
Get COIMulti‑State Options
Expanding beyond CA? We can align coverage as you grow.
Talk to UsWhy Workers’ Comp is Essential
- Employee Protection: Medical care, rehab, and a portion of lost wages for job‑related injuries.
- Legal Compliance: Required in California and most states once you have employees; avoid fines and stop‑work orders.
- Financial Security: Prevent a single incident from derailing your cash flow.
- Peace of Mind: Your team feels safer, and you can focus on delivery and growth.
Common Construction Risks Covered
- Falls from ladders, scaffolding, or rooftops
- Injuries from heavy equipment and power tools
- Back strains and repetitive motion injuries
- Cuts, burns, and electrical hazards
- Exposure to dust, chemicals, or hazardous materials
Tip: We’ll review your class codes (e.g., roofers, carpentry, electrical) to help you avoid misclassification and premium leakage.
Who Needs Workers’ Comp?
- General Contractors on residential or commercial projects
- Subcontractors working under GCs or owners
- Specialty Trades like roofers, framers, electricians, plumbers
- Builders & Developers with multi‑crew operations
Even if you use independent subs, many project owners require proof of workers’ comp. Having your own policy helps you win more bids.
How JSSR Helps Contractors
- We shop multiple carriers for affordable rates
- Quick Certificates of Insurance so jobs don’t stall
- Multi‑state coverage as your business expands
- Guidance on payroll reporting & audits to control costs
Why Choose JSSR Insurance Agency
Local Expertise
Based in Lathrop • Serving CA & neighbors
Industry Knowledge
Construction class codes & risk control
Fast & Friendly
Direct access to an agent—no call center
Service Area
We help construction contractors throughout California (San Joaquin County, Lathrop, Tracy, Stockton, Manteca, Modesto, San Jose, Fremont, Sacramento, Fresno, Los Angeles, San Diego) and nearby states as needed.
Frequently Asked Questions
How much does Workers’ Comp cost for contractors?
Pricing depends on payroll, trade risk (class codes), experience mod, and claims history. High‑risk trades (e.g., roofing) typically rate higher than general carpentry. We’ll quote multiple carriers to secure a competitive premium.
Can I be fined if I don’t carry workers’ comp?
Yes. In California, operating without required coverage can trigger fines, stop‑work orders, and potential criminal penalties. We’ll make sure you’re compliant.
Do I need coverage if I only use subcontractors?
Often yes. Project owners frequently require proof of coverage even if subs have their own policies. Having a policy in place keeps you bid‑ready.
How fast can I get a Certificate of Insurance (COI)?
Same day in most cases once we bind your policy. We prioritize fast turnarounds so jobs don’t slow down.
Ready to Get Covered?
Talk to an expert who understands framing, roofing, electrical, and the realities of a busy jobsite.
Call (209) 701‑6900 Book a Time
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JSSR Insurance Agency — Our Knowledge, Your Success.
Disclaimer: This page provides general information and is not a guarantee of coverage. Policy terms and availability vary by carrier and state.
