Free Tools
Built for contractors who’d rather find a problem now than on audit day. Use them in any order, keep whatever’s useful, and ignore the rest.
Free to use. Educational, not insurance advice. No quote unless you ask.
90 seconds
Your year-end workers' comp audit compares the payroll you estimated to the payroll you actually paid, and any sub without a current certificate can land on your side of it. Answer a handful of questions about last year's 1099 crew spend and see what that could mean for your audit.
Run the roofing version →90 seconds
The same check, built around the way general contractors and remodelers buy trade work: subs by trade, certificates that expire mid-job, and the payroll an auditor can pull onto your policy because the paperwork wasn't there.
Run the GC version →Maryland
Six free tools for Maryland roofers, GCs, and remodelers — the Chargeback Risk Score, a class code cheat sheet, an audit day prep checklist, a live sub COI tracker, a renewal calendar, and an optional 15-minute audit exposure review with a licensed Maryland agent. Yours to keep.
Get the Kit →2 minutes
Nine questions about your business: how many people you run, what's changed in the last year, and when you last looked at your program. You get a written readout of the areas worth walking through with a licensed agent.
Start the assessment →60 seconds
Three questions about your trade, your current premium, and your renewal month. A licensed agent takes it from there and reviews what you're carrying with you.
Start the check →Tools By Trade
Each trade has its own shortlist — the right version of the estimator, plus everything else that applies to you.
By Trade
Each trade page covers what carriers look at, the coverages that matter, and the state and regional details underneath them.