What insurance limits are standard for commercial subcontractors?

Standard commercial contracts require $1M/$2M Commercial General Liability, $1M Automobile Liability, $1M Workers Compensation, and $2M to $5M Excess Umbrella with additional insured endorsements.

Contractor Risk Management & Compliance

1099 Workers' Comp & Insurance Sizer

Calculate true annual premiums for Workers' Compensation ($ per $100 payroll) across high-risk trades, ghost policy exemptions, and general liability coverage.

Trade & Payroll Parameters

Annual Direct Trade Payroll / 1099 Remittance ($)

Trade Classification Code

Experience Mod (EMR)

General Liability ($1M / $2M)

Sole Proprietor Exemption?

Premium Burden Breakdown

Workers Comp Cost $15,725 Annual premium

General Liability $1,600 $1M occurrence

Total Insurance $17,325 Combined burden

Hourly Burden $8.66 per work hour

Burden % 20.4% of gross pay

Audit Risk COMPLIANT COI verified

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