The five lines every general contractor actually needs
GL, builders risk, workers' comp, commercial auto and inland marine. What each one does, what each one doesn't, and where buyers most often get caught out.
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Cover · Workers' comp
Workers' compensation.
Statutory cover for employee injury — with class codes audited against your actual operations and a programme designed for how your firm actually staffs.
What it is
Workers' compensation pays medical expenses, lost wages and disability or death benefits for work-related injuries and illnesses — and provides the exclusive-remedy framework that limits direct employee suits against the employer. It's statutory in nearly every state.
When you need it
The triggers
we hear most.
You have W-2 employees.
Workers' comp is statutory in nearly every state — you can't opt out. Comp has to be set up to match where your employees actually work, including ghost policies for sole proprietors and corporate officers where states require them.
Your experience mod is creeping up at renewal.
The mod factor is the single biggest driver of your premium. We audit your loss history with the rating bureau, push for corrections where the data is wrong, and shop carriers that price your trade correctly.
You've got remote workers or operate across more than one state.
A remote employee in a state where the firm hasn't operated before still needs comp in that state. Multi-state programmes and 'all states' endorsements exist to make sure no employee is uncovered when they get hurt — but the programme has to be designed for it from the start.
Carriers keep mis-classifying your crews.
Class codes determine premium. Mis-coded crews — paying construction rates on an office worker, or general clerical rates on warehouse staff — quietly bleed money. We audit codes against actual operations every renewal.
What it covers
Inside the
policy.
Medical expenses
Treatment for work-related injuries and illnesses, including emergency care, ongoing treatment, prescriptions and rehabilitation.
Lost wages
Indemnity for lost income while an employee can't work — at the rate and duration prescribed by each state's comp statute.
Disability and death benefits
Long-term disability indemnity and survivor benefits when a workplace injury results in permanent impairment or death.
Employer's liability
Defence and indemnity for the rare but real claims by employees or third parties that fall outside the comp exclusive-remedy framework.
What it doesn't
Where buyers
get caught out.
1099 contractors and freelancers
Comp covers W-2 employees. True 1099s carry their own — but misclassified contractors can trigger comp liability anyway.
Injuries off the job
Comp covers work-related injury and illness. Personal-time injuries sit with the employee's own health insurance.
Intentional self-harm or misconduct
Comp excludes injuries from intentional self-harm, intoxication and serious misconduct — though the bar for these exclusions is high.
Who buys it
Industries we
place this for.
Construction & contractors
Comp class codes audited against actual operations — and trade-specific markets that price construction risk properly.
See the pageRestaurants & food service
Comp for kitchen and front-of-house staff across multi-location operations — sized to actual payroll mix.
See the pageManufacturing
Class-coded comp for plant, warehouse and shipping crews — with monoline markets that price manufacturing properly.
See the pageTrucking & logistics
Comp for drivers, yard staff and dispatch — class-coded for trucking operations.
See the pageHealthcare practices
Comp for clinical and admin staff — including class-code accuracy across multi-provider practices.
See the pageDaycares & childcare
Comp for caregivers, teachers and admin staff — class-coded for childcare, not generic services.
See the page Why Nomos
How we place
this line.
Class-code audits that find money
We audit your class codes against your actual operations every renewal — mis-coded crews are the single biggest hidden cost in comp.
Distributed-workforce fluency
Remote workers, distributed teams and corporate-officer ghost policies all need handling. We design programmes around how your firm actually staffs — not a one-size template.
Mod-factor remediation
We audit your mod history with the rating bureau and push for corrections — bad data quietly inflates premiums for years.
From field notes
What we're writing
on this.
Get a quote
Comp that prices
your trade properly.
Tell us about your business and your team. We'll audit your class codes, scrub your mod factor and shop carriers that actually want your industry.
Class-code audits every renewal
Programmes designed for distributed teams
Mod-factor remediation with the rating bureau
Trade-specific monoline markets