Office work versus field work
Employees who work at a desk are typically placed in clerical or professional classes with low rates. Technicians who install cabling, mount equipment or work in client data centers may belong to a different, higher-rated class. Describing that split accurately can make a meaningful difference.
Repetitive strain injuries, eye strain and occasional lifting injuries are the most common claims for technology firms.
Clients often require proof
Enterprise and government clients frequently ask IT vendors for a certificate of workers comp, specific employers liability limits and a waiver of subrogation before granting site access.
If employees work remotely from other states, those states may need to be listed on the policy.
Technology businesses we help with
- IT consulting and managed services
- Network and cabling installers
- Software implementation consultants
- Help desk and support firms
- Data center services
- Technology staffing
Computer consultants workers comp by state
Requirements and rating rules vary by state. Choose your state for the essentials, including who must carry coverage and who oversees it.
Frequently asked questions
Do I need workers comp if my employees work from home?
In most states, yes. Employees working remotely are still employees, and injuries that happen while performing work can be covered.
What if my consultants are 1099 contractors?
True independent contractors are generally not covered by your policy, but auditors review those relationships. Some clients also require your subcontractors to carry their own coverage.
Why would a client need a waiver of subrogation?
It stops your insurer from seeking reimbursement from the client after paying a claim that happened at the client's site.