PEO Workers Comp Guide
Framing Workers Comp

Best Workers Comp Companies for Framers

Companies That Accept Framing and Price the Fall Risk Fairly

Framing is one of the most dangerous phases of construction. Fall risk from heights drives high workers comp rates. The best workers comp companies for framers understand residential and commercial framing class codes and offer group rating that can lower your rate 20 percent or more.

20%+

Savings through group rating

High

Base rates due to fall risk

Falls

Are the primary hazard

Free

To compare framing workers comp

What We Compare

How We Evaluate Workers Comp Companies

Framing Class Code Expertise

Residential and commercial framing carry different class codes and rates. The best companies classify your work accurately and understand the difference between rough framing and finish framing.

Group Rating Programs

Companies that offer group rating for framing can lower your effective rate 20 percent or more by pooling your payroll with other framing businesses.

EMOD Management

Framing claims from falls drive EMODs above 1.0 quickly. The best companies provide claims management that helps improve your modifier over time.

Fall Protection Support

Falls are the most common and costly framing claim. The best workers comp companies provide fall protection safety programs and training materials.

Seasonal Payroll Handling

Framing work is seasonal and project based. The best companies offer pay-as-you-go billing that handles payroll fluctuations without large audit bills.

Subcontractor Compliance

Framing crews often include subcontractors. The best companies help manage sub insurance requirements so uninsured sub claims do not fall back on your business.

The Challenge

Why Framing Workers Comp Is So Expensive

Framing is one of the most dangerous phases of construction. Workers are on open floors, working at heights, and handling heavy materials before guardrails and scaffolding are fully in place. Fall risk is the primary driver of severe claims. Framing class codes carry high base rates as a result. Many carriers are hesitant to write framing coverage, and those that do often charge premium rates.

  • Fall risk is the primary driver of severe framing claims
  • Workers are on open floors before fall protection is complete
  • Framing class codes carry high base rates
  • Many carriers are hesitant to write framing coverage
  • Seasonal and project based work complicates payroll budgeting
  • Subcontractor compliance creates hidden liability
How to Evaluate

How to Evaluate Workers Comp Companies for Framers

The best workers comp companies for framers accept framing without hesitation. They offer group rating programs that lower your effective rate. They provide fall protection safety training and claims management. They offer pay-as-you-go billing for seasonal and project based payroll. A broker who knows the framing market can identify which companies check these boxes and compare their total cost.

What to Look For

What to Look For in a Framing Workers Comp Company

Confirm the company accepts framing at your class code. Ask whether they offer group rating and what your effective rate would be. Check for fall protection safety program support. Ask about claims management for framing injuries. Compare total cost including markups and fees. A broker who works with framing contractors can run this comparison at no cost.

FAQ

Framing Workers Comp FAQ

Which companies offer the best workers comp for framers?

The best workers comp companies for framers are those that accept framing without hesitation and offer group rating. These include specialty carriers and PEOs that understand framing class codes. The right company depends on your payroll size, claims history, and whether you use subcontractors. We compare the companies that accept framing to find the lowest total cost.

How much can a framing company save on workers comp?

Framing companies can save 20 percent or more through group rating programs. Because framing base rates are high, the dollar savings can be substantial. A framing company paying $120,000 per year could save $24,000 or more by moving to a company with better group rates.

Why is framing workers comp so expensive?

Framing is one of the most dangerous phases of construction. Workers are on open floors and working at heights before fall protection is fully in place. Fall risk is the primary driver of severe claims, which makes framing class codes carry high base rates. The best workers comp companies for framers offer group rating that can lower your effective rate 20 percent or more.

Can a PEO offer better workers comp for framers than a standard carrier?

Often yes. PEOs that accept framing have group rating arrangements with carriers that understand the framing risk. By pooling your payroll with other framing businesses, the PEO earns group rating discounts that can lower your effective rate 20 percent or more. The PEO also handles claims management and fall protection safety support.
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Free Workers Comp Comparison

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