--- title: Workers Comp Insurance for Contractors:  A Frequently Overlooked Credit description: "Workers comp insurance for contractors: many contractors do not apply for this significant credit." image: https://www.gocgo.com/hubfs/Workers%20Comp%20Insurance%20for%20Contractors.jpg --- [630.810.9100](tel:630.810.9100) --> [HRIS LOG IN](https://www.entertimeonline.com) [CGO on the Go](https://portalv02.csr24.com/mvc/723837312) [![CGO_logo_wService_tagline_v1_24x01547_use_this-2](https://www.gocgo.com/hs-fs/hubfs/CGO_logo_wService_tagline_v1_24x01547_use_this-2.png?width=563&height=250&name=CGO_logo_wService_tagline_v1_24x01547_use_this-2.png "CGO_logo_wService_tagline_v1_24x01547_use_this-2")](https://www.gocgo.com/) [![Connor & Gallagher](https://www.gocgo.com/hs-fs/hubfs/Connor-Gallagher-2016/Image/sticky-logo.png?width=30&name=sticky-logo.png "Connor & Gallagher")](https://www.gocgo.com/) [REQUEST A QUOTE](https://www.gocgo.com/contact#tab1) [REQUEST A QUOTE](https://www.gocgo.com/contact#tab1) [HRIS LOG IN](https://www.entertimeonline.com) [630.810.9100](tel:630.810.9100) # Workers Comp Insurance for Contractors:  A Frequently Overlooked Credit [Back to Blog](https://www.gocgo.com/blog) - Share Article - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-fbicon.png)](https://www.facebook.com/sharer/sharer.php?u=https://www.gocgo.com/blog/workers-comp-insurance-for-contractors-credit&title=Workers%20Comp%20Insurance%20for%20Contractors: %20A%20Frequently%20Overlooked%20Credit&picture=https://cdn2.hubspot.net/hubfs/2149858/Workers%20Comp%20Insurance%20for%20Contractors.jpg&description=Workers%20comp%20insurance%20for%20contractors:%20many%20contractors%20do%20not%20apply%20for%20this%20significant%20credit.) - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-twittericon.png)](https://twitter.com/intent/tweet?source=https://www.gocgo.com/blog/workers-comp-insurance-for-contractors-credit&text=Workers%20Comp%20Insurance%20for%20Contractors: %20A%20Frequently%20Overlooked%20Credit%20https://www.gocgo.com/blog/workers-comp-insurance-for-contractors-credit%20via%20@go_cgo) - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/footer-linkedicon.png)](http://www.linkedin.com/shareArticle?mini=true&url=https://www.gocgo.com/blog/workers-comp-insurance-for-contractors-credit&title=Workers%20Comp%20Insurance%20for%20Contractors: %20A%20Frequently%20Overlooked%20Credit&summary=Workers%20comp%20insurance%20for%20contractors:%20many%20contractors%20do%20not%20apply%20for%20this%20significant%20credit.) - [![](https://www.gocgo.com/hubfs/Connor-Gallagher-2016/Image/share-mailicon.jpg)](mailto:?Subject=Check%20out%20the%20blog%20post%20from%20Connor%20%26%20Gallagher&Body=I%20enjoyed%20this%20article%20from%20Connor%20%26%20Gallagher%20and%20know%20you%20will%20too!%20https://www.gocgo.com/blog/workers-comp-insurance-for-contractors-credit) Contractors in 20 states who are paying above-average wages may be eligible for a potentially significant workers comp insurance premium credit. The Contracting Classification Premium Adjustment Program (CCPAP) provides a premium credit on policies with one or more contracting classifications if the employer's average wage meets an eligibility threshold (which varies by state) and certain other qualifications are met.  The average credit in these states is roughly 14 percent. For a contractor with a $200,000 annual premium, that would be a $28,000 credit. **States Participating in the CCPAP:** Alaska, Connecticut, Delaware, Florida, Hawaii, **Illinois**, Maryland, Massachusetts, Minnesota, Missouri, Montana, Nebraska, New Jersey, New Mexico, New York, Oklahoma, Oregon, Pennsylvania, Virginia, and Wisconsin. Learn more about [the Risk Management services](https://www.gocgo.com/risk-management-services-for-mid-sized-businesses) from Connor & Gallagher OneSource.   The source of this workers comp insurance for contractors tip comes from: International Risk Management Institute, Inc. 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All rights reserved. [Terms](https://www.gocgo.com/terms-conditions) | [Privacy Policy](https://www.gocgo.com/privacy-policy) *Securities offered through LPL Financial, Member [FINRA ](https://urldefense.com/v3/__http:/www.finra.org/__;!!Cz2fjcuE!hHSH8MVILMppb6KCZhR0KSJ2KsYMY6T0lN4TCTu05zUYTge3jrKQVS4iU909W9RCXnvk8b4a6EoHmy9g5o8P2VGslqm3lg$)& [SIPC](https://urldefense.com/v3/__http:/www.sipc.org/__;!!Cz2fjcuE!hHSH8MVILMppb6KCZhR0KSJ2KsYMY6T0lN4TCTu05zUYTge3jrKQVS4iU909W9RCXnvk8b4a6EoHmy9g5o8P2VHUQJKH-A$).  Investment advisory services offered through Global Retirement Partners, LLC dba Connor & Gallagher OneSource, an SEC registered investment advisor.  Connor & Gallagher OneSource and Connor & Gallagher Benefit Services are separate entities from LPL Financial. The information on this website is not intended to be exhaustive nor should any discussions or opinions be construed as legal advice - it is intended for educational and/or informational purposes only. ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Matthew Venhousen", "url" : "https://www.gocgo.com/blog/author/matthew-venhousen" }, "datePublished" : "2018-03-22T20:10:05.000Z", "headline" : "Workers Comp Insurance for Contractors:  A Frequently Overlooked Credit", "image" : [ "https://www.gocgo.com/hubfs/Workers%20Comp%20Insurance%20for%20Contractors.jpg" ], "mainEntityOfPage" : { "@id" : "https://www.gocgo.com/blog/workers-comp-insurance-for-contractors-credit", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.gocgo.com/hubfs/CGO_logo_wService_tagline_v1_24x01547_240x120.jpg" }, "name" : "Connor & Gallagher OneSource" } } ```