Articles
Editorial guides on workers comp class codes, rates, settlements, lawyers, and compliance. 17 articles, 3 hours of reading.
Pillar
Hubs
How to find your NCCI class code (occupation lookup, state rules)
Match your business operation to the right NCCI workers compensation class code. Free occupation lookup, state-by-state classification rules, and how to dispute a wrong code on your audit.
How to find a workers comp lawyer (bar referral, fee caps, free consultation)
How to find and vet a workers compensation lawyer in your state. Bar referral phone numbers, complaint URLs, fee caps by statute, and what a free consultation should cover.
How workers comp settlements work (PPD weeks, body-part schedule, lawyer fees)
Calculate your workers compensation settlement value. Maximum PPD weeks by body part, wage-replacement rate, lawyer fee caps by state, and how scheduled vs impairment-rated states differ.
How workers compensation rules differ by state
Independent bureau states, monopolistic state funds, and NCCI states. Coverage thresholds, max weekly benefits, and statute of limitations across all 50 states plus DC.
Listicles
10 best workers compensation carriers ranked by AM Best and market share (2025)
Top workers compensation carriers ranked by AM Best financial strength rating and market share. Travelers, Hartford, Liberty Mutual, Chubb, AmTrust, plus state-fund options. PAYG and minimum-premium details.
10 cheapest states for workers compensation by industry (2025)
Ranked list of the cheapest states for workers compensation across construction, manufacturing, transportation, and services. Median rates per $100 of payroll, sourced from state DOI filings.
15 highest-rate workers compensation class codes nationwide (2025)
Ranked list of the highest-rate NCCI workers compensation class codes. Logging, roofing, demolition, and high-hazard construction. Rates per $100 of payroll, sourced from state DOI filings.
22 states with no state fund (private-market workers compensation only)
List of US states without a state workers compensation fund. Coverage is purchased exclusively from private-market carriers. State-by-state coverage thresholds and assigned-risk pool details.
Spoke articles
1099 vs W-2 for workers compensation (the misclassification trap)
When can you classify a worker as 1099 for workers compensation? State-by-state classification tests, AB 5 (California), the multi-factor common-law test, and penalties for misclassification.
Workers comp audit defense checklist (avoid the year-end shock)
What to prepare before your workers comp audit, how to respond to auditor reclassifications, and how to dispute findings. Specific documentation requirements and the appeal process.
NCCI class code 5190: electrical contractor (rates, exposures, gotchas)
Workers compensation class code 5190 covers electrical wiring within buildings. Median rate $2.80 to $5.40 per $100 of payroll. Includes residential, commercial, and industrial wiring; excludes high-voltage and outside-line work.
NCCI class code 5403: carpentry, residential (rates, exposures, exclusions)
Workers compensation class code 5403 covers residential carpentry on dwellings of three stories or less. Median rate $4.80 to $9.20 per $100 of payroll. Excludes commercial, multi-family above three stories, and roofing.
NCCI class code 7228: trucking, local hauling (rates, owner-operators, exclusions)
Workers compensation class code 7228 covers local trucking and hauling within a 200-mile radius. Median rate $5.10 to $9.60 per $100 of payroll. Owner-operator and 1099 driver classification rules vary substantially by state.
NCCI class code 8810: clerical office employees (rates, scope, governing rule)
Workers compensation class code 8810 covers clerical office employees with no field exposure. Median rate $0.18 to $0.67 per $100 of payroll. The lowest-rated standard code; subject to the governing-classification rule.
Experience modification rate (EMR) explained
How EMR is calculated, what changes it, and how it affects your workers comp premium. The three-year claim-history formula, NCCI's calculation, and how to manage EMR proactively.
Owner exclusion rules by state (LLC, S-corp, sole proprietor)
When owners can exclude themselves from workers comp coverage. Sole proprietor and LLC member rules across all 50 states. How to elect exclusion, when self-coverage is required, and the trade-offs.