Workers’ Compensation Insurance for Construction Contractors

Astrus provides customized workers’ compensation programs that combine insurance with specialized loss control strategies, safety engineering and claims management to mitigate losses and protect employees.

Workers’ Compensation Coverage Designed for Construction’s Workforce Risks

In construction, protecting your workforce is essential to meeting project timelines, controlling costs and improving worker morale and productivity. Astrus provides workers’ compensation programs tailored to contractor operations, combining disciplined underwriting with industry-specific risk management strategies to help safeguard employees and support compliance with state requirements.

Specialized Workers’ Compensation Program Design

As a construction-focused managing general underwriter (MGU), Astrus structures workers’ compensation coverage around the realities of your business: trade exposures, crew composition, state-specific regulations and subcontractor arrangements. Our approach helps ensure your program reflects the actual risks you face on job sites rather than a one-size-fits-all model.

Construction-Driven Expertise

With decades of underwriting experience for contractors, our team understands the hazards that drive workers’ compensation claims in construction. We integrate underwriting, risk engineering and claims oversight to address the frequency and severity of losses while maintaining operational continuity.

Mitigating Workers’ Compensation Costs with Data-Informed Risk Management

Astrus applies actuarial analysis to monitor loss trends and refine pricing models over time. This ongoing evaluation supports sustainable program performance and helps you make informed decisions about safety investments and risk control measures.

Workers’ Compensation Claims Coordination with a Return-to-Work Focus

When incidents occur, we coordinate closely with the carrier claims teams to help ensure timely workers’ compensation claims resolution and effective return-to-work strategies. This approach supports injured employees while helping you reduce claim duration and cost impact. With the ongoing labor shortages across the U.S. construction industry, we believe in having a back-to-work focus to keep your employees on the job.

Experience Superior Market Access and Underwriting Efficiency

Our delegated authority and network of leading construction insurance brokers allow us to provide competitive workers’ compensation terms, backed by A-rated carrier papers. Reach out to our specialists today to secure tailored solutions and strategies that align with your business objectives.

Workers’ Compensation Insurance for Construction FAQs

Construction is one of the most hazardous industries. When injuries occur, workers’ compensation provides medical care, wage replacement and recovery benefits while protecting contractors from costly lawsuits and business disruptions. A strong program helps employees return to work safely and keeps projects moving forward.

Because construction carries unique risks, a tailored workers’ compensation program is critical. Key elements include:

Compliance with state regulations to avoid fines and delays.
Comprehensive coverage that addresses employees and subcontractors.
Specialized design built for construction exposures, not generic policies.
Loss control through safety resources and risk management support.
Claims advocacy through dedicated oversight, which prioritizes care and supports employees in returning to work as soon as possible.

When integrated, these components help protect both workers and the bottom line.

Astrus brings construction-specific expertise and underwriting authority to deliver coverage with speed, precision and proactive risk management. We provide:

Extensive knowledge of contractor exposures.
Faster underwriting and policy issuance.
In-house risk engineering to reduce claims.
Access to top workers’ compensation insurance carriers with personalized solutions.

Astrus goes beyond issuing a policy. We deliver comprehensive workers’ compensation programs for construction that help contractors protect their workforce while supporting long-term business success.

Contact a representative from Astrus today to learn how we can deliver a robust workers’ compensation program for construction that effectively manages your risk.