Workers' Comp
Employee-injury coverage: state mandates, class codes, audits, e-mods
- How Much Does Workers' Comp Cost? The Per-$100 FormulaWorkers' comp posts a $54-a-month published median, but comp isn't priced like other insurance — it's manufactured from your payroll: rate per $100 × payroll ÷ 100 × e-mod. The formula worked in the open, class codes decoded, and the state spread from North Dakota's floor to California's filings.Dan Reyes · Aug 2, 2026
- How to Survive Your First Workers' Comp AuditThe audit letter isn't an accusation — it's arithmetic: your premium was priced on estimated payroll, and the true-up is contractual. How to walk in ready: records assembled, payroll split by class code, a COI on file for every sub, and the dispute window used when the statement is wrong.Dan Reyes · Aug 1, 2026
- 1099 vs. W-2: Who Needs Workers' Comp Coverage?The tax form doesn't decide who needs workers' comp — state control tests do, and they routinely reclassify '1099 contractors' as employees after an injury. Here's how the tests actually work, why GCs demand sub certificates, what audits charge you for, and what a ghost policy really buys.Dan Reyes · Jul 28, 2026