Workers' compensation

Exceptional construction crews are built on teamwork. Give your employees a trusted workers’ compensation program that focuses on getting your employees back to work. Zurich offers workers’ compensation insurance coverage that covers medical care and physical rehabilitation of injured construction workers. It also helps to replace lost wages for employees injured in the course of employment.


Workers’ compensation for the construction industry

Zurich tailors workers compensation coverage to help meet the needs of mid-sized and large construction customers including:

  • Artisan/specialty trade contractors
  • Builders of predominantly single-family detached homes, with annual revenue of $20 million or more
  • Construction managers
  • Contractors operating under a workers’ compensation collective-bargaining agreement (CBA) or alternative dispute resolution (ADR) program
  • Design-build firms
  • General contractors
  • Heavy and highway contractors
  • Owners or sponsors of both public and private construction projects, including wrap-ups
  • Owner-controlled insurance programs (OCIPs)
  • Contractor-controlled insurance programs (CCIPs) and joint ventures

Coverage features

Coverage is available in all states where third-party policies can be issued and may be provided for all employee exposures and locations. Excess policies are available for qualified self-insured states. Additional options include:

  • Stop-gap employers’ liability for monopolistic states
  • United States Longshore and Harbor Workers’ Compensation Act (USL&H) for over-the-water exposures
  • Maritime Act for operation of vessels
  • Defense Base Act for work on military/embassy locations
  • Foreign coverage for employees traveling/temporarily assigned outside the United States, including repatriation expenses and endemic disease coverages
  • Volunteers for company-sponsored events
  • Waiver of subrogation on a blanket basis

Program options

  • Guaranteed cost
  • Small and intermediate deductibles
  • Large deductibles with combined aggregates and clash deductibles
  • Retrospective rating plans
  • Dividend plans
  • Employers’ liability limits of up to $2 million
  • Convenient payment terms

Risk engineering services

  • Professionals dedicated to the construction industry with experience in risk assessment, program evaluation and exposure identification
  • Consultative solutions designed to mitigate and reduce losses
  • Industrial hygiene specialist to address environmental conditions in the workplace

Training offered through the Zurich Seminar Series includes topics such as:

  • Construction health management
  • Fall management
  • Fleet management
  • Quality management
  • Site safety leadership skills
  • Workforce development

Claims services

  • Professionals who are focused on mitigating loss and returning injured employees to work
  • Robust managed care program including: national preferred provider organization (PPO), integrated case management, medical bill review, treatment and utilization management, prescription management, early return-to-work
  • FirstReport Online (FROL), for employee injury and illness recordkeeping and facilitation of OSHA reporting
  • Proactive injury management available through eZ Transition®, Zurich’s online return-to-work system
  • Litigation management
  • Special investigation unit

Why Zurich?

  • Professionals who specialize in the industry and understand the technical and operational aspects of construction
  • Leadership through active participation in key construction and insurance industry associations
  • Insurance solutions aimed to reduce customer’s cost of risk while enhancing their profitability
  • policies and extensions that address industry-specific needs
  • Customized programs that fit the unique risk appetite and coverage needs of the customer
  • Integrated underwriting, risk engineering and claim account teams
  • Domestic and global coverage capabilities

Knowledge Hub resources