NeedBizInsurance
Coverage by Profession · United States · 2026

Workers' Compensation for construction laborers

Workers' Compensation is typically required for construction laborers. Required once you have employees in nearly every state. Texas is the only optional state.

Requirement
Required
Average cost
$1950.00–$5200.00/yr
Business risk
high
01

How workers' compensation applies

Required once you have employees in nearly every state. Texas is the only optional state.

02

What affects the price

Payroll
Experience mod rate
Crew size
03

Best carriers for workers' compensation for construction laborers

Embroker
AM Best: A
direct
professional-liabilitygeneral-liabilityworkers-compensationcyber-liability
NEXT Insurance
AM Best: A-
direct
general-liabilityworkers-compensationcommercial-autobusiness-owners-policy
Simply Business
AM Best: A
direct
general-liabilityprofessional-liabilityworkers-compensationcommercial-auto
Thimble
AM Best: A
direct
general-liabilitycommercial-autoinland-marineworkers-compensation
04

Workers' Compensation for Construction Laborers — FAQ

Do construction laborers need workers' compensation?+

Yes. Workers' Compensation is typically required for construction laborers by law, license, contract, or client requirement.

What does workers' compensation cover for construction laborers?+

Workers' Compensation helps protect a construction laborer business from losses tied to the specific risks of the work, including claims that may not be covered by a basic policy package.

Can construction laborers buy workers' compensation online?+

Yes. Many carriers quote workers' compensation online for construction laborers, though higher-risk work, employees, vehicles, or licensed operations may require extra underwriting.

We may earn a commission when you click our affiliate links. This does not affect our editorial independence. Content is general information, not legal or insurance advice.