Gleason Insurance Brokers, LLC

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California Contractors Workers Compensation

Contractors Workers COmpensation Insurance Broker

Implementing comprehensive safety programs, promoting a culture of safety, employing effective risk management strategies, properly classifying employees, developing return-to-work programs, maintaining accurate documentation, and working with a specialized insurance broker, can help mitigate claims and reduce liability, ensuring a safer work environment and financial stability for your business. At Gleason Insurance Brokers, we can provide quick contractors workers compensation quote for California contractors workers compensation for HVAC, plumbing, electrical, concrete plumbing, pool, landscape, paving and appliance contractors workers with reliable carriers. Start quote 844-978-7283 contractor with multiple specialized carriers for California.

Key Considerations for Contractors:

Classification of Workers:

Independent Contractors vs. Employees: It’s essential to correctly classify workers. Misclassifying employees as independent contractors can lead to legal penalties and lack of coverage in the event of an injury.
Subcontractors: If you hire subcontractors, ensure they have their own workers' compensation insurance. Your sub-contractors can always contact us for a workers comp insurance quote. Otherwise, you might be held liable for their injuries.

Fast cheap workers comp quote for concrete, plumbing, electrician, HVAC, landscaping in California

Concrete | Electrical | Plumbing | Concrete | HVAC | Pool

Some Contractors WORKERS COMPENSATION CLASS CODEs

Landscape Contractors Workers’ Compensation Insurance

Landscape contractors in California often engage in tasks like planting, irrigation, lawn maintenance, and operating machinery. These activities expose workers to various risks, including injuries from equipment or repetitive strain. Typical workers' compensation class codes for landscape contractors include:

0042: Landscape Gardening
0106: Tree Pruning, Dusting, Spraying, Repairing, or Trimming

These codes help categorize the risks associated with landscaping work and determine the appropriate insurance coverage and premiums.

Concrete Contractors Workers’ Compensation Insurance

Concrete contractors work on tasks such as pouring foundations, constructing driveways, and working with forms and molds. The physical demands and the use of heavy materials and machinery increase the likelihood of injury. Typical workers' compensation class codes for concrete contractors include:

5213: Concrete Construction (includes pouring and finishing)
5221: Concrete or Cement Work – Floors, Driveways, Yards, or Sidewalks

These class codes ensure that the risks specific to concrete work are properly covered, providing essential protection for both workers and the business.

Pool Contractors Workers’ Compensation Insurance

Pool contractors handle tasks from excavation to installation and maintenance of pools, which can involve working with hazardous chemicals and heavy machinery. Typical workers' compensation class codes for pool contractors include:

5183: Swimming Pool Construction – Not Iron or Steel
5187: Pool Cleaning, Servicing, or Repair

These codes help in assessing the risks associated with pool construction and maintenance, ensuring that employees are covered adequately.

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Some Contractors WORKERS COMPENSATION CLASS CODEs

HVAC Contractors Workers’ Compensation Insurance

HVAC contractors install, repair, and maintain heating, ventilation, and air conditioning systems, often working in confined spaces or at heights. Typical workers' compensation class codes for HVAC contractors include:

5537: Heating, Ventilation, Air Conditioning, and Refrigeration (HVAC) Systems – Installation, Service, and Repair
5190: Electrical Wiring – Within Buildings (if they do electrical work as part of their services)

These codes categorize the tasks and risks related to HVAC work, ensuring the right level of coverage for the workers involved.

Electrical Contractors Workers’ Compensation Insurance

Electrical contractors face high risks due to the nature of their work, including potential electrical shocks and burns. Typical workers' compensation class codes for electrical contractors include:

5190: Electrical Wiring – Within Buildings
5140: Electrical Wiring – Low Voltage – Repair, Maintenance, Installation – Other Than Buildings

These class codes help in calculating the premiums and providing appropriate coverage tailored to the risks of electrical work.

Plumbing Contractors Workers’ Compensation Insurance

Plumbing contractors work with water and gas lines, often in confined spaces, increasing the risk of injury from slips, falls, or exposure to hazardous materials. Typical workers' compensation class codes for plumbing contractors include:

5183: Plumbing – Commercial and Industrial
5187: Plumbing – Residential.