Contractors Workers' Compensation Readiness

Contractors Workers' Compensation, Documented and Ready for Review

We help contractors and trades organize payroll records, class code detail, experience modification worksheets, subcontractor certificates, and loss history — so a licensed insurance professional can conduct a complete review.

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How we help

Readiness first — placement by licensed professionals

We help you organize what you have and understand what may be needed. Coverage advice and policy placement are handled by licensed insurance professionals.

Who we help

General contractors
Subcontractors and specialty trades
Artisan trades — electrical, plumbing, HVAC, carpentry, finishing
Roofing, framing, masonry, and concrete operations
Contractors with fluctuating seasonal payroll
Contractors who rely heavily on subcontracted labor
Out-of-state contractors taking on work in New York, New Jersey, or Maryland

Common situations

Payroll has never been broken out by class code
The experience modification worksheet has not been reviewed against actual claim detail
General contractors are requesting certificates with specific language that cannot be produced quickly
Subcontractor certificates are missing, expired, or were never collected
An audit produced an unexpected result and the supporting records were incomplete
Work has expanded into new trades or new states without the file being updated
Job types and the percentage of work performed at height, or on new construction versus service, have never been documented

Get Ready

Documents we help you gather

✓Current workers' compensation declarations page

✓Payroll broken out by class code and by state

✓Experience modification worksheet

✓Loss runs, ideally three to five years

✓Subcontractor list with current certificates of insurance

✓Written subcontractor agreements, where they exist

✓Description of job types and approximate percentage of work by type

✓Federal employer identification number and entity formation documents

✓Any prior audit statements and supporting payroll records

How It Works

A clear path from inquiry to coverage

Tell us about your situation

Share the basics through the short intake below.

We organize the details

We help assemble the documents a licensed professional will need.

Connect with a producer

A licensed insurance professional reviews your needs and handles placement.

Ongoing support

We help keep certificates and renewals organized over time.

Request a Consultation

Start with a quick intake

There is no cost or obligation. A Candor representative will follow up.

Setup pending: paste your Google Form URL and source-entry ID into this page (see the setup sheet). Once added, the intake form appears here automatically, pre-tagged SRC-CON.

Open Intake Form

Disclaimer: Candor Insurance Brokerage Inc is a licensed insurance brokerage. All coverage advice, quoting, and policy placement are provided by licensed insurance professionals. Information presented here is general in nature and does not constitute an offer of insurance, a quote, or a guarantee of coverage. Availability of programs and coverages varies by state and is subject to carrier underwriting.