Your Business
Workers' Comp Exposure
Uninsured subcontractors often count as your employees. See what a single serious injury would sit against.
Calibrate
Drag to set each value — estimates are fine.
People you pay through payroll, however part-time.
Anyone paid outside payroll to do work for you.
Without their own coverage, many states treat a subcontractor as your employee for this purpose. Leave on "No" if you have no subcontractors.
Injury severity varies enormously by the work itself.
Owner exclusions are common and easy to forget about.
ICC Team
Insurance Confidence Center
A number is a starting point. Walking through what it means for your actual policy is the part that changes anything.
What this means for you
Get a plain-English summary of your reading.
Levers that move this
- Employees on your payroll
- Subcontractors you engage
- Do those subcontractors show their own coverage?
- What kind of work do they do?
- What workers' comp coverage is in place?
Drag these dials above to see the effect instantly.
Get the full write-up
The assumptions behind the figure, the method, and the disclosures that go with it.