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Workers' compensation pays medical costs and lost wages for employees injured on the job, no fault required, in exchange for protection from most injury lawsuits. Nearly every state mandates it, four states sell it only through a state fund, and your experience mod makes it the one premium your own management directly moves.
Statutory benefits set by each state: medical treatment without dollar limit, wage replacement, disability, and death benefits. Part Two, employers liability, defends the suits that fall outside the statutory system, including third-party-over actions and consortium claims. It does not cover independent contractors who genuinely qualify as such, but misclassified workers and uninsured subcontractors land on your policy at audit as if they were payroll.
At thresholds that vary by state, from the first employee in many to five in a few, with construction trades required earlier almost everywhere. Texas alone makes it broadly optional, with unlimited suit exposure for those who opt out. In Ohio, North Dakota, Washington, and Wyoming the coverage comes from the state fund, and the missing employers-liability piece must be added back through stop-gap coverage on the general liability policy.
Four specifics a well-served buyer should already be hearing about this coverage in this market. Read silently. Answer internally.
When was your mod worksheet last audited line by line, and what is your mod costing you against a 0.85 peer?
Do you hold current certificates for every subcontractor, covering the dates they actually worked?
Is your payroll split by class code in the records all year, or reconstructed when the auditor calls?
If you operate in Ohio, North Dakota, Washington, or Wyoming, does your GL carry stop-gap employers liability?
Every flag names the issue, the specific finding, and where it applies, the consequence. ARIA's full output also cites the exact policy page that proves each one — once you upload your declarations.
Annual premium distribution for a comparable business in your industry and revenue band, drawn from anonymized placements. Your specific position is computed when ARIA reads your declarations page.
Illustrative dataset · n=128 mid-market placements · refreshed quarterly
The first gap usually surfaces in the first minute of ARIA reading your declarations page.
Nothing binds until a licensed Risk Strategist signs the placement
ARIA · live across every page