Workers’ Compensation Insurance: What AEC Firms Need to Know
July 25, 2025
Whether you run a two-person engineering firm or manage crews across multiple job sites, having the right workers’ compensation insurance is essential. Not only is it legally required in most states—it’s a critical part of protecting your team and your business when accidents happen.
We help architects, engineers, surveyors, and contractors get workers’ comp coverage that fits their team structure, complies with state laws, and minimizes risk.
What Is Workers’ Compensation Insurance?
Workers’ compensation (or “workers’ comp”) provides benefits to employees who are injured or become ill due to job-related activities. It typically covers:
- - Medical expenses
- - Lost wages during recovery
- - Rehabilitation services
- - Disability or death benefits
For employers, it also protects against lawsuits related to workplace injuries.
Why It Matters in the AEC Industry
AEC work comes with unique risks—whether it's field work, site visits, or even office ergonomics. One fall, strain, or repetitive stress injury could lead to major costs without coverage.
Even if your business only has one employee, you may be required by law to carry a workers’ comp policy. Subcontractors and 1099 contractors may also trigger requirements, depending on your state.
What to Consider When Choosing a Policy
- - State compliance: Each state has its own rules for coverage minimums, exemptions, and penalties. We help ensure you meet them.
- - Payroll accuracy: Workers’ comp premiums are based on payroll estimates. We help you classify roles properly to avoid overpayment or audit surprises.
- - Safety credits: Some insurers offer premium discounts for firms with formal safety programs. We can help you access them.
Why
I.S.C.A.
We specialize in AEC insurance, which means we understand how your projects work—and where your risks lie. Our team:
- - Knows how to navigate multi-state compliance
- - Helps you bundle workers’ comp with general liability or commercial package coverage
- - Offers guidance on certificates of insurance and subcontractor coverage
You’re focused on building and designing. We’re here to make sure your business and people are protected. Get Started Here!
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