top of page
All Posts
California Dual-Wage Threshold Tracker (2026)
Current California dual-wage workers' comp thresholds by trade, effective September 1, 2026 — roofing $33, carpentry $46, concrete $36, and more.
Evan Swan
3 days ago4 min read
Staffing Agency Workers' Comp Insurance (High-Mod)
Staffing workers' comp is rated by the work temps perform. High-mod or hard-to-place staffing accounts placed nationwide by CPR. Get a quote today.
Evan Swan
3 days ago11 min read
Trucking Workers' Comp Insurance (Class Code 7219)
High-mod, hard-to-place trucking workers' comp, placed nationwide. Class codes 7219, 7228, 7229, how it's rated, and how CPR gets it covered.
Evan Swan
3 days ago11 min read
Demolition Contractor Workers' Comp Insurance
High-mod, hard-to-place demolition workers' comp placement. How wrecking is class-coded, rated, and underwritten nationwide, with a California focus.
Evan Swan
3 days ago10 min read
Framing & Carpentry Workers' Comp Insurance | CPR
High-mod, hard-to-place framing and carpentry workers' comp, with California's 5403/5432 dual-wage split. Get a quote from CPR Business Solutions.
Evan Swan
3 days ago11 min read
High X-Mod Workers' Comp: How to Get Placed
A high experience mod doesn't make you uninsurable. Here's how a declined high-mod workers' comp account actually gets placed, and how to lower the mod.
Evan Swan
3 days ago11 min read
PEO & ASO Workers' Comp: Placing High-Mod Accounts
How a PEO or ASO workers' comp program places high-mod, lapsed, and hard-to-place accounts the standard market declines — how it works, costs, trade-offs.
Evan Swan
3 days ago12 min read
Tree Service Workers' Comp Insurance (Code 0106)
Tree service workers' comp (class code 0106) is one of the hardest WC classes to place. CPR places high-mod tree service accounts nationwide.
Evan Swan
3 days ago10 min read
Who Writes High-Mod, Hard-to-Place Workers' Comp?
The workers' comp market has tiers beyond standard carriers — specialty admitted, programs/MGAs, PEO, state fund, and assigned risk. How to find coverage.
Evan Swan
3 days ago10 min read
Workers' Comp Premium Audit Disputes: Fight a Wrong Bill
A wrong workers' comp premium audit can be disputed. Learn the common errors that inflate premium and how to fight a bad audit bill, step by step.
Evan Swan
3 days ago10 min read
South Carolina Workers' Comp for High-Mod Accounts
South Carolina is a 4+ employee comp state built on NCCI loss costs. CPR, based in SC, places high-mod and hard-to-place workers' comp statewide.
Evan Swan
3 days ago9 min read
North Carolina Workers' Comp for Hard-to-Place Accounts
High-mod and hard-to-place North Carolina workers' comp placement. How NCRB, NCCI, the Industrial Commission and the assigned-risk plan work. Get a quote.
Evan Swan
3 days ago9 min read
Texas Workers' Comp for High-Mod & Hard-to-Place Accounts
Workers' comp is optional in Texas, but nonsubscribers face lawsuit exposure and contracts require it. CPR places high-mod, hard-to-place TX accounts.
Evan Swan
3 days ago10 min read
Florida Workers' Comp for High-Mod & Hard Accounts
Florida requires workers' comp for construction with 1+ employees. CPR places high-mod, hard-to-place FL workers' comp nationwide. Call 714-928-3858.
Evan Swan
3 days ago9 min read
Illinois Workers' Comp: High-Mod & Hard-to-Place
CPR places high-mod, hard-to-place Illinois workers' comp nationwide. How the IWCC, NCCI loss costs, and the assigned-risk pool work. Get a quote.
Evan Swan
3 days ago9 min read
Florida Workers’ Comp Class Codes for Roofing, Electrical and Plumbing Contractors (5551, 5190, 5183)
Florida uses NCCI codes: roofing 5551, electrical 5190, plumbing 5183 — one code at every wage, no California-style split. Who must carry coverage, the contractor liability rule, what moved rates for 2026, and how a high-mod FL contractor gets placed.
Evan Swan
Sep 75 min read
Texas Workers’ Comp Class Codes for Roofing, Electrical and Plumbing Contractors (5551, 5190, 5183)
Texas uses NCCI codes: roofing 5551, electrical 5190, plumbing 5183 — one code at every wage, no California-style split. Who must carry coverage, the contractor liability rule, what moved rates for 2026, and how a high-mod TX contractor gets placed.
Evan Swan
Sep 75 min read
North Carolina Workers’ Comp Class Codes for Roofing, Electrical and Plumbing Contractors (5551, 5190, 5183)
North Carolina uses NCCI codes: roofing 5551, electrical 5190, plumbing 5183 — one code at every wage, no California-style split. Who must carry coverage, the contractor liability rule, what moved loss costs for 2026, and how a high-mod NC contractor gets placed.
Evan Swan
Sep 75 min read
South Carolina Workers’ Comp Class Codes for Roofing, Electrical and Plumbing Contractors (5551, 5190, 5183)
South Carolina uses NCCI codes: roofing 5551, electrical 5190, plumbing 5183 — one code at every wage, no California-style split. Who must carry coverage, the contractor liability rule, what moved loss costs for 2026, and how a high-mod SC contractor gets placed.
Evan Swan
Sep 75 min read
California Workers’ Comp Class Code Lookup: Every Dual-Wage Pair, 2026 Threshold and Rate
All sixteen California dual-wage class code pairs on one page: which code is low-wage, the September 1, 2026 threshold, the approved pure premium rate for each code, and how much more the low-wage code costs — with a link to the full guide for every trade.
Evan Swan
Sep 75 min read
Frequently asked questions
FAQ's
Industry FAQ's
Coverage Options
Turnaround Time
Coverage Eligibility
Geographic Coverage
Submissions
Industries that are generally considered hard-to-write for workers' compensation insurance include: Construction, Manufacturing, Transportation, Logistics, Trucking, Healthcare, Agriculture, Asbestos Removal, Oil and Gas Drilling, Forestry, Logging, and Masonry. These industries have higher risks and potential for workplace injuries and claims.
bottom of page