Workers' Compensation for energy contractors

Solar and HVAC installers carry codes distinct from general roofers or electricians — installation crews, service and maintenance techs, and office staff. Correct classification matters: wrong codes mean overpayment or undercoverage and audit surprises.

Yes — roof-fall, ladder, and lift injuries are common energy-contractor workers' comp claims and are covered under a properly structured policy. We make sure high-hazard install work is rated accurately.

Misclassification leads to premium disputes at audit and gaps in coverage. We assign class codes to your actual workflow so you're neither overpaying nor exposed when a claim happens.

Workers' comp generally covers employees, not properly classified independent contractors — but misclassifying a 1099 who works like an employee creates real exposure. We help you structure this correctly before an audit or claim finds the gap.

Cost is driven by crew size, trade focus, vehicle and equipment value, payroll, and loss history. We quote your actual operation in about 15 minutes — never a ballpark from a generic contractor form.

Yes. Contractors Choice Agency is licensed in all 50 states and writes energy-contractor programs nationwide — California, Texas, the Northeast, Pacific Northwest, Southeast, and everywhere the trade operates.

Typically 15 minutes on a call. Larger or higher-value programs may take a day or two to place with the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and E&S markets for energy contractors declined over a prior claim, theft loss run, OSHA citations, or other issues. Bring us your situation and we'll find a market.

Usually yes. A coordinated program closes gaps between policies and is typically cheaper than separate policies from separate carriers — and far easier to manage at claim time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A.M. Best A+ where possible) carriers so the coverage is there when a jobsite injury or equipment loss hits.

Yes. Each trade carries a different risk profile — roof-fall exposure for solar, refrigerant handling for HVAC, arc-flash for electrical, and confined-space work for insulation crews. We tailor each program accordingly.

High-value items are scheduled individually at their real value — not a flat blanket rate. Proper individual scheduling is what ensures a theft or damage claim pays what the equipment was actually worth.

Crew size and trade focus, vehicle list, tools and equipment values, payroll, current coverage, and loss history. The more detail, the more accurate the quote.

Yes — errors & omissions covers the financial-loss side of a design, sizing, or recommendation mistake, separate from general liability's bodily-injury and property-damage coverage.

Equipment claims are paid against records. Incomplete serial numbers, purchase value, or photos mean delays and reduced payments. We help you document your equipment properly up front so a claim is settled quickly and fully.

Yes. If you run multiple install crews, subcontract work, or operate from more than one shop, we build one coordinated program covering owned and subcontracted operations with no gaps.