Workers comp for contractors, explained.
Which trades must carry it, what it costs, and how to stay ready for audit. We place it with the right carrier and walk you through every line in your language.
Workers compensation pays for medical care and lost wages if someone is hurt on the job, and California requires it for most contractors. Several trades must carry it even with no employees, and by 2028 the requirement expands to every licensed contractor. We help you get compliant and avoid surprises at audit.
What to know about contractor workers comp
Some trades need it with no employees
Roofing, concrete, HVAC, and a few others must carry workers comp even with no staff. By January 2028 the rule expands to all licensed contractors.
Audits decide your final cost
Premium is based on payroll and class codes, and a year-end audit trues it up. We help you classify correctly so you are not overcharged.
Sole proprietors have options
If you work alone, a minimum-payroll policy can satisfy a contract or a GC's requirement. We will explain what fits your situation.
Explore more coverage and trades
Workers comp questions we hear
Do I need workers comp if it is just me?
It depends on your trade and your contracts. Roofing, concrete, and HVAC require it regardless. Many GCs also require it before you can work on their site, even if you are solo. We will help you confirm.
What happens at a workers comp audit?
The carrier reviews your actual payroll and class codes and adjusts the premium. Good records and correct classification keep the adjustment small. We help you prepare.
What is the 2028 change?
California is phasing in a requirement for all licensed contractors to carry workers comp by January 1, 2028, with a verification step beginning in 2027. We help you get ahead of it.
Get workers comp quoted
Tell us your trade and payroll. We will place it and keep you ready for audit.
(714) 421-4658 · info@doneforyouins.com