Best workers’ comp insurance for construction

Finding the “best” workers’ compensation insurance for your construction business isn’t just about finding the cheapest option. It’s crucial to identify a provider that offers comprehensive coverage, strong claim support, and competitive rates tailored to the specific risks of the construction industry.

Best workers' comp insurance for construction

Here are some factors to consider when comparing workers’ comp insurance for construction:


  • Statutory and voluntary benefits: Ensure the plan meets all mandatory state requirements and consider adding benefits like vocational rehabilitation to attract and retain talent.
  • Coverage extensions: Look for options like excess workers’ comp insurance, employer’s liability coverage, and builders’ risk insurance.


  • Claims handling reputation: Research the provider’s track record for prompt and fair claim settlements.
  • Loss control services: Choose a provider offering safety programs and risk management expertise to help prevent injuries and reduce costs.

Financial stability:

  • Financial strength ratings: Choose a provider with excellent financial ratings from agencies like A.M. Best, indicating their ability to meet future claims obligations.
  • Premium stability: Consider fixed-rate vs. experience-rated policies based on your risk profile and desired predictability.

Additional considerations:

  • Industry specialization: Some providers offer programs specifically designed for construction businesses, ensuring tailored coverage and risk management solutions.
  • Technology and customer service: Evaluate online tools for policy management, claims reporting, and communication with the provider.

Based on these factors, here are some highly-rated workers’ comp insurance providers for construction businesses:

  • Best Overall:
    • The Hartford
    • Next Insurance
  • Best for Claim Support:
    • Chubb
  • Best for Claim Kits:
    • Nationwide
  • Best for Policy Management:
    • Thimble
  • Best for Comparing Quotes Online:
    • Simply Business
  • Construction Industry Specialists:
    • Travelers
    • CNA
    • Liberty Mutual

Remember, the best fit for your business will depend on your specific needs, risk profile, and budget. Getting quotes from multiple providers and consulting with an insurance broker specializing in construction can help you find the optimal coverage and competitive rates.

I hope this information provides a helpful starting point for your search. Please let me know if you have any other questions!


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