Free Tools
Everything here is free and takes minutes, not meetings. Start with the audit check if your renewal is close — that’s the one with a deadline attached.
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 a sub who can't produce a certificate for the work he did can land on your side of it. Answer a handful of questions about last year's 1099 crew spend and see where you stand.
Check my chargeback risk →Maryland
Six free tools for Maryland contractors — 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. Built for roofing contractors and the other trades we cover. 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 →Keep Going