Contractors working nationwide
Multi state work adds cost in two places: the additional licences and bonds, and the workers compensation written for each state. The second is usually larger.
Roofing, excavation and anything at height price far higher than interior finish work. The single largest factor.
Workers compensation is priced per hundred dollars of payroll, so it scales directly with headcount and wages.
General liability is priced on revenue, so two contractors with the same headcount can pay very different amounts.
Every state has its own rates and rules. Working across a state line means reporting payroll there.
Claims and injuries follow you for years through your experience modification rate.
How much you sub out, and whether those subcontractors genuinely carry their own coverage, changes your exposure materially.
Each state's workers compensation policy usually carries its own minimum premium, so several small policies can cost more in total than one large policy covering the same payroll. That matters when deciding whether to expand into a fourth or fifth state, because the fourth state may cost disproportionately more than the third did. The other multi state cost is administrative: additional licences, bonds, registrations and the time to maintain all of them, none of which appear in a premium quote.
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Tell us your trade, payroll and the states you work in. A licensed specialist will come back with real numbers.
