Workers’ Compensation Insurance
Workers' Compensation Insurance Connected to Your Payroll
Protect your crew. Stay compliant. Pay based on the payroll you actually run.
Lumber has partnered with Coverdash to give construction businesses fast, compliant insurance coverage, from Workers' Comp to General Liability, without leaving the platform you run payroll on.
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Everything You Need to Get Covered
Coverage Built for Construction, Managed Alongside Payroll
01
Pay-As-You-Go Workers' Comp
Premium is calculated each pay period from your actual Lumber payroll data, so you're not paying based on a year-end estimate.
02
Instant Certificates of Insurance
Explore workers’ comp options from a network of 30+ leading insurance providers, including Nationwide, Chubb, The Hartford, and Travelers, and find coverage that fits your business.
03
Compare Quotes From 30+ Carriers
Explore workers’ comp options from a network of 30+ leading insurance providers, including Nationwide, Chubb, The Hartford, and Travelers, and find coverage that fits your business.
04
Full Commercial Insurance Suite
Beyond Workers' Comp, access General Liability, Professional Liability, Commercial Auto, Business Owner's Policy, and Cyber coverage from the same dashboard.
05
Support From Licensed Insurance Agents
Get a dedicated point of contact and support from agents who understand construction, on top of standard coverage.
Why Coverdash + Lumber
Stop Estimating.
Start Paying for What You Actually Run.
Traditional workers’ comp often starts with an estimate of your annual payroll. But construction payroll rarely stays static.
One month you're adding crews. The next, a project wraps up. Overtime changes. Headcount changes. Jobs change.
Traditional Payroll-Based Model
Premium based on estimated payroll
Large year-end reconciliation
Payroll and insurance managed separately
Additional administrative work
Coverage managed through separate processes
Pay-As-You-Go with Lumber + Coverdash
Premium based on actual payroll
Premium adjusts throughout the year
Workers’ comp connected to Lumber payroll
Streamlined online management
Manage alongside your Lumber workflow
Workers’ Compensation Compliance
Stay Compliant From the Start
Workers’ compensation requirements vary by state, but for most construction businesses with employees, coverage is an essential part of running payroll and staying compliant.
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Keep Your Coverage Current
Your payroll provides a real-time picture of your workforce and wages, helping your workers’ comp costs stay aligned with actual payroll.
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Meet GC & Project Requirements
Many general contractors and project owners require proof of workers’ comp coverage before you can start work.
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Get Your COI When You Need It
Generate and access your Certificate of Insurance when a GC, client, or project owner requests proof of coverage.
Business Compliance
More Than Workers’ Compensation
Workers’ comp is just one part of protecting your construction business.
Through Coverdash, Lumber customers can also explore additional commercial insurance coverage — all from the same dashboard.
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General Liability
Essential coverage that protects your business from third-party claims of bodily injury, property damage, and personal injury.
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Business Owner’s Policy
BOP Insurance is a bundled policy that includes general liability, commercial property, and business interruption coverage.
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Commercial Auto Insurance
Protects your business’s work trucks, vans, and other business vehicles from accidents, theft, and liability claims.
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Employment Practices Liability
Covers claims related to wrongful termination, discrimination, harassment, and other employment-related issues.
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Cyber Insurance
Protects against data breaches, cyber attacks, ransomware, and covers costs of data recovery and customer notification
Frequently Asked Questions
What is Coverdash?
Coverdash is Lumber's insurance partner, a digital insurance platform that helps construction businesses get quotes and coverage from top carriers, including Workers' Comp and other commercial insurance.
Is Lumber the insurance provider?
No. Coverdash and its carrier partners provide the coverage. Lumber connects your payroll data to Coverdash so Workers' Comp premium stays accurate, and gives you access to Coverdash's quotes and dashboard for other coverage types.
What types of insurance can I get through Coverdash?
Workers' Compensation, General Liability, Professional Liability (Errors & Omissions), Commercial Auto, a Business Owner's Policy, and Cyber Insurance.
What's the difference between standard and pay-as-you-go Workers' Comp?
Both provide the same coverage. Standard Workers' Comp is priced upfront on estimated payroll and reconciled in a year-end audit. Pay-as-you-go calculates premium each pay period from your actual Lumber payroll data, with no large upfront deposit and no year-end true-up.
How do I get started?
You can opt into Workers' Comp coverage when you set up payroll, or explore Workers' Comp and other coverage anytime from the Insurance dashboard.
What if I already have a policy?
You can connect your existing policy in Lumber instead of purchasing a new one through Coverdash.
How fast can I get a Certificate of Insurance?
COIs generate instantly from your Lumber dashboard once you have an active policy.
Who do I talk to about a quote, policy, or claim?
Coverdash's team handles quoting, policy management, and claims directly, with support from licensed agents familiar with construction. Lumber connects you to Coverdash and keeps your payroll data flowing to support your Workers' Comp policy.
Still have questions?
Can’t find the answer you’re looking for? Please chat to our friendly team.
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