About This Workers Comp Site and the Brokerage Behind It

The pages here stay narrow on purpose: workers comp only, for the businesses that ask the most specific questions about it. Contractors can find their trade under contractor workers comp by trade, from general contractors and framers to electricians, site work crews and tree services. Restaurant, brewery and taproom owners start with hospitality workers comp.

Rules differ sharply by state, so each state has its own page. The page on California workers comp for contractors and restaurants walks through the license-based coverage rules and the wage-split classifications that apply there. Liability, auto and other lines are placed separately, as set out on the general liability and commercial auto page.

David Gleason, Principal, reviews the pages on this site. Rules, dates and figures come from official sources: the Contractors State License Board, the WCIRB, the California Department of Insurance, Arizona and Nevada statutes, the Nevada Division of Insurance and NCCI filings. Each page lists its sources with the date they were last checked, and shows the date the page was reviewed.

Where an official source has not settled a point, the page says so and points you to the carrier or the state agency for an answer rather than guessing. Rate actions are listed with their status on workers comp rate changes, and the workers comp class code lookup shows who publishes each state's classifications.

• It does not assign, suggest or confirm a class code. Which classification fits turns on each worker's real duties, and the carrier makes that call.
• It does not give legal or tax advice. Where a rule turns on your contracts or your entity, check with your attorney or accountant.
• It is not an insurance company and cannot bind coverage on its own.
• It does not advise owners on whether to include or exclude themselves; it states each state's rule and points you to the carrier to confirm it.