Workers' Compensation is a "must-have" for most employers; meaning, it's required by law. The policy covers medical expenses and lost wages resulting from a job-related injury/illness and is pretty standard among insurance companies. We distinguish our Workers' Compensation coverage by providing a host of value-added services before, during, and after a claim. With offerings such as up-front loss control measures to identify and correct occupational hazards, responsive claims handling, and the facilitation of quality medical care (when an accident does occur), we've been protecting our policyholders and their employees for decades.

Contractors

1. Minimum payroll: 1 full time - $15,000 
2. Maximum payroll: WC – None
3. Subcontractor exposure: WC – 40%
4. Height restrictions: WC – 30ft 
5. Depth restrictions: 5 feet
6. Will consider new ventures for WC
7. Will consider a lapse in coverage
8. Guard will entertain contractors engaged in residential and commercial operations (no industrial operations).

Contractors

1. Residential roofing (commercial roofing considered for WC)
2. Residential or restaurant exhaust cleaning
3. Garage doors – service or installation
4. Swimming pool construction
5. Solar or Satellite Installation
6. Tree services
7. Fire or water restorative contractors
8. Insulation contractors
9. Hazardous material or pollution abatement operations (i.e. asbestos, lead, radon testing)
10. Contractors who repair, install or service:
    • Elevators
    • Escalators
    • Chemical automatic fire extinguishing systems
    • Commercial burglar alarms
11. Heavy construction, including but not limited to:
    • Bridge, caisson, cofferdam, dam, dike, dry dock, jetty, levee, or pier construction
    • Cable laying and cable installation
    • Crane or derrick installation or rigging
    • Dredging
    • Drilling
    • Grading of land
    • Iron or steel erection
    • Pipeline construction
    • Sandblasting
    • Scaffolding, hoists, tower erection
    • Tunneling
    • Ship repair or painting

"ABQ" (or Always Be Quoting) is a special program for Workers' Compensation business that allows us to consider quoting certain risks that would not normally be entertained under our traditional underwriting guidelines. Submissions can be entered directly through Guard E-Z Rate. Acceptable policies will be written through NorGUARD Insurance Company. Other conditions may apply.

• Competitive, multi-tiered price structure through our subsidiary carriers

• Premium discounts based upon certain business characteristics such as a drug-free workplace or formal safety program

• Group dividend plans for businesses in the automotive, restaurant, or retail/wholesale food industries

• Individual dividend plans for larger businesses

• Flexible and convenient payment options, including "pay-as-you-go" and self-reporting platforms (which are based on a business's payroll schedule and require low-to-no down payment and no installment fees)

States Available

California

Downloads

Guard Workers' Comp Product Guide

Guard Workers' Comp ABQ Program Guide