By industry
Workers' Comp Insurance by Industry
How workers' compensation coverage works for your type of business — the class codes involved and what underwriters look at.
Workers' comp insurance is rated by the work your employees actually do, so businesses in the same industry tend to share class codes, exposures and underwriting questions. Choose your industry to see the codes that usually apply and what shapes your quote, then compare carriers through one application.
Auto Repair & Body Shops
Auto repair and body shops combine lifting, sharp-tool, and chemical exposure with the specific risks of vehicle lifts and painting equipment. Coverage covers mechanics, technicians, and body-shop staff under the classification matching the actual work performed.
Cleaning & Janitorial Services
Cleaning and janitorial crews face chemical exposure, slip-and-fall risk, and repetitive strain across office, retail, and residential properties. Coverage compares multiple carriers for contracted janitorial staff working at ground level, without above-ground window-cleaning exposure, which is priced and handled separately.
Daycare & Child Care Centers
Child care staff face lifting strain, exposure to childhood illness, and slip-and-fall risk while supervising active children all day. Coverage covers teachers, aides, and administrative staff at a licensed child care center under one policy.
Electrical Contractors
Electrical contractors face shock, arc-flash, and fall exposure that pushes their workers' comp classification higher than most office-based trades. Coverage compares multiple carriers for licensed electricians with W-2 employees on payroll; owner-only certificate policies with no employees are not offered through this agency.
General Contractors & Trades (with employees)
General contractors coordinate multiple trades on a jobsite, so their workers' comp needs to reflect carpentry, supervision, cleanup, and often several subcontracted crews. Coverage is written for contractors with W-2 employees, not owner-only certificate policies.
Home Health Care Agencies
Home health aides and caregivers work alone in unfamiliar and uncontrolled environments, which raises patient-handling, travel, and workplace-safety exposure compared to a hospital or clinic setting. Coverage covers field caregivers and office staff under one policy.
Hotels & Lodging
Hotels combine housekeeping, food service, maintenance, and front-desk staff at a single property, each with a different injury profile. Coverage compares multiple carriers and separates hotel restaurant employees from the property's other staff so payroll is rated accurately, whatever the property's size.
HVAC Contractors
HVAC contractors install and service heavy equipment on elevated platforms, in attics, and in mechanical rooms, combining fall, lifting, and refrigerant exposure. Coverage is written for HVAC contractors with employees on payroll, not owner-only certificate policies.
Landscaping & Lawn Care
Landscaping crews work outdoors with mowers, trimmers, and chainsaws in every season, which makes cuts, heat exposure, and equipment injuries the main workers' comp concern. Coverage covers both commercial lawn-maintenance crews and full landscape-construction operations.
Light Manufacturing & Machine Shops
Light manufacturing and machine shops carry meaningful workers' comp exposure from powered machinery, materials handling, and repetitive production work. Coverage is rated by the specific type of manufacturing performed, not a single blanket factory code.
Medical & Dental Offices
Medical and dental offices are lower-hazard than hospitals or nursing homes, but staff still face needlestick, bloodborne-pathogen, and patient-handling exposure every day. Coverage compares multiple carriers for physicians, dentists, and their clinical and clerical staff under one policy, regardless of practice size.
Nonprofits & Churches
Nonprofits and churches employ paid staff for administration, facilities, and program work even when volunteers make up much of the workforce. Coverage applies to paid employees; volunteer status is a separate question handled under state law.
Painting Contractors
Painting contractors spend much of the day on ladders and scaffolding, working with solvents and spray equipment in enclosed spaces. Coverage compares multiple carriers for painting contractors with W-2 employees on payroll; owner-only certificate policies with no employees are not offered through this agency.
Plumbing Contractors
Plumbing contractors deal with confined spaces, heavy fixtures, and sharp or hot materials on both new-construction and service calls. Coverage compares multiple carriers for plumbing contractors with W-2 employees on payroll; owner-only certificate policies with no employees are not offered through this agency.
Professional Offices (accounting, law, consulting, insurance, real estate)
Accounting, law, consulting, insurance, and real estate offices are among the lowest-hazard workers' comp classifications, since work is almost entirely desk-based. Coverage is still often legally required and matters for lease and client-contract compliance, even for a small practice with just a few employees.
Restaurants & Food Service
Restaurants carry higher workers' comp exposure than most small businesses because kitchen work combines heat, blades, and fryers with a young, fast-turnover staff. Coverage is priced mainly on payroll by role, service style, and claims history rather than on a single flat rate.
Retail Stores
Retail workers' comp is generally lower-hazard than food service or construction, but it still covers real risks from lifting stock, ladder use, and slips on sales floors. Pricing depends heavily on what the store sells and whether staff work the counter, stockroom, or an outdoor yard.
Salons, Barbershops & Spas
Salons and spas are generally lower-hazard than most service businesses, but staff still face chemical exposure, cuts, and repetitive strain from standing and detailed handwork all day. Coverage covers stylists, barbers, and support staff under one policy.
Warehouses & Distribution
Warehouse and distribution operations combine forklift traffic, racking and lifting exposure, and driver risk in a single facility. Coverage is rated by whether the space is general storage, cold storage, or paired with a wholesale operation.
Compare up to 10 carriers in minutes.
One application goes out to every carrier we can access for your class of business. You get a ranked comparison you can review and purchase online — with a licensed agent available whenever you want one.
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