Workers' Compensation for professional contractors

Professional contracting firms carry several codes — project managers and field supervisors, trade workers, equipment operators, estimators and administrative staff, and design professionals. Correct classification matters: wrong codes mean overpayment, undercoverage, and audit surprises.

Yes — falls from scaffolding, ladders, and elevated surfaces are among the most common construction workers' comp claims and are covered under a properly structured policy. We make sure construction hazard labor is rated accurately.

Misclassification leads to premium disputes at audit and gaps in coverage. We assign class codes to your actual workforce and job functions so you're neither overpaying nor exposed when a claim happens.

Owner-operators and principal partners can typically elect to include or exclude themselves from workers' comp coverage based on state rules and their role in operations. We structure the policy correctly for your ownership structure.

Cost is driven by services performed, annual revenue, contract types, and professional liability claims history. We quote your actual firm in about 15 minutes — never a ballpark from a generic business form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes professional contractor programs nationwide — Arizona, Texas, California, the Northeast, Pacific Northwest, and everywhere contractors operate.

Typically 15 minutes on a call. Larger or more complex programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for professional contractors declined over prior claims, loss runs, or complex project types. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers — and far easier to manage at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A+ where possible) carriers so the coverage is there when a professional liability claim, contract dispute, or construction defect suit hits.

Yes. Design-build firms carry both professional and trade liability; project managers carry significant professional services exposure; specialty contractors have unique E&O profiles. We tailor each program to the specific services your firm provides.

Claims are evaluated based on the alleged harm — cost overruns tied to professional errors, project delays, design defect remediation costs, and client financial losses. We work with carriers that handle contractor professional liability claims efficiently and fairly.

Services performed, annual revenue, contract types (fixed-price, cost-plus, design-build), largest single project, professional liability history, current coverage, and loss history. More detail means a more accurate quote.

If you're the responsible contractor and a subcontractor's error leads to a professional liability claim against you, your policy covers your exposure as the directing or coordinating party — including defense costs and resulting liability.

Yes. Project-based contractors can obtain project-specific professional liability policies for individual large contracts, while ongoing firms carry annual programs. We match the program structure to how your firm actually operates.

That's a professional liability (E&O) claim. Your policy covers your defense costs, legal fees, and any resulting judgment or settlement — up to your policy limits. Without E&O coverage, you'd pay out of pocket.

Yes. If you operate through multiple entities, joint ventures, or have separate design and construction arms, we build one coordinated program covering all entities with no gaps between them.

Yes. Contractors who provide consulting, inspection, commissioning, or advisory services carry professional liability exposure beyond their construction activities. We add professional liability tailored to those services.