We work with multiple carriers to provide flexible and affordable workers’ compensation insurance plans designed to meet your business needs.
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Workers’ compensation laws can be complex and vary by state. We make sure your business remains fully compliant while reducing risks that could lead to costly fines or legal challenges.
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Your employees are the backbone of your business. With comprehensive workers’ compensation coverage, we ensure they are financially and medically supported in the event of workplace injuries or illnesses.
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Managing insurance on top of running a business can be overwhelming. We simplify the process by handling all the detailspolicy comparisons, carrier negotiations, claims support, and renewals
The solar industry is booming, and your business deserves to grow without the fear of a workplace accident derailing everything you’ve worked for. Workers’ compensation insurance for solar companies is not just a legal obligation—it is a shield that protects your finances, your reputation, and most importantly, your people.
By investing in safety training, partnering with a knowledgeable broker like Coastal Work Comp, and staying vigilant about subcontractor coverage, you can secure affordable premiums while ensuring your crew is protected. Don’t wait for an accident to happen. Take action today to build a safer, more resilient solar business.
Yes, in almost every state, workers’ compensation is mandatory for businesses with W-2 employees. Solar installation is classified as high-risk, and failure to carry coverage can result in severe fines, stop-work orders, and even criminal charges.
Costs vary by state, payroll, and claims history. Rates typically range from 5% to 15% of gross payroll. Working with a specialized broker like Coastal Work Comp ensures you get the most competitive rates.
Yes. Heat stroke and heat exhaustion are considered occupational illnesses. If a worker collapses from heat while installing panels, it is fully compensable under workers’ comp.
The MOD is a number assigned by the insurance bureau that reflects your company’s past claims history compared to the industry average. A MOD below 1.0 means you are safer than average, resulting in lower premiums.
No. Subcontractors must carry their own workers’ comp policy. You should always request a Certificate of Insurance (COI) to verify coverage before they start work.
Most states require reporting within 10 to 30 days. However, we recommend reporting immediately (within 24 hours) to avoid penalties and ensure the worker gets timely care.
Light duty means offering modified work assignments—like inventory management or permit pulling—to injured employees who cannot perform full installation duties. This reduces claim costs and lowers your MOD.
