Before we shop the rate we look at class codes, payroll estimates, subcontractor exposure, your experience mod and claims history — that is usually where the money is.
Most Carthage workers comp accounts are small crews — trades, haulers and shops where the owner is on the job too. That makes owner and officer treatment a real decision rather than a formality, and it makes class codes worth reviewing, because a code assigned years ago rarely matches what the business does now.
Missouri generally requires coverage at five or more employees, and generally at one or more in construction. Part-time, casual and family employees can count, and corporate officers and LLC members generally count toward the threshold even where they can be excluded from coverage.
Kansas and Oklahoma set their own rules, so we ask where employees actually work rather than where the company is headquartered. More on the requirements.
Class codes against what employees actually do. Payroll estimates against reality. Subcontractor exposure and whether certificates are on file. Your experience modifier and the data behind it. Claims history, including open claims carrying stale reserves.
Fixing those often saves more than changing carriers, and it carries into every renewal afterward. We also hand every client the audit checklist so the year-end audit holds no surprises.
Most of our Carthage clients come from Webb City, Oronogo, Jasper, Alba, Purcell, Sarcoxie, Avilla, La Russell, Reeds, Lamar, Golden City, Mount Vernon, Miller and Pierce City.
We are licensed across Missouri, Kansas and Oklahoma, so if you are further out we can still write it — most of what we do works by phone. Visit the Carthage office at 103 W Airport Dr, Carthage, MO 64836, Monday to Friday, 9 to 5, or call 417.358.1751.
If you have five or more employees, generally yes — and generally at one or more if you are in construction. Owners and officers can count toward the threshold. Call us with your headcount and the type of work.
If they cannot show their own coverage for the period they worked for you, those payments can be added to your payroll at audit and rated at your class. A certificate on file before the work starts prevents it.
Usually drifted payroll, stale class codes or uninsured subcontractors. We help you prepare before the auditor calls and review the result if it comes back higher than expected.
Send your current policy and we will check class codes, payroll, subcontractor exposure, your experience mod and claims history before we shop it.