Workers' compensation, group health, and HSA-eligible plan design for construction, manufacturing, transportation, and skilled-trades employers, under one platform, with renewal and audit support.
Benefitra is the parent platform for benefits brokerage, HR SaaS, marketing, and decision-support tools. Construction, manufacturing, transportation, and skilled-trades employers can adopt one pillar or stack them.
Workers' compensation, general liability, commercial auto, group health, and disability under one broker.
Coverage stack →HDHP + HSA stacks designed for variable-hour and multi-shift teams. Voluntary accident and critical illness add resilience.
Compare paths →Lead engines that put your shop, your fleet, or your trade in front of GCs and end-customers searching now.
See trajectories →MOD-rate calculator, COI generator, OSHA logbook templates, and 586 free decision-support calculators.
Browse tools →Crews start at 5am, work jobs across state lines, and rotate in seasonal labor. The benefits stack has to handle the realities of the work, not the office-job assumptions most brokers default to.
Workers' comp class-code optimization. Class codes assigned by NCCI or state rating bureaus determine your rate per $100 of payroll. A misapplied code on even a small portion of payroll can cost thousands per year. We audit every code against actual job duties, supervisor classifications, and dual-wage thresholds for residential and commercial work, and pursue premium recovery for prior policy years where the audit finds overcharges.
MOD-rate management. Your experience modification factor (MOD) multiplies your manual premium. A 1.20 MOD costs 20 percent more than the bureau rate, while a 0.85 MOD pays 15 percent less. Reducing the MOD requires loss-prevention investment, return-to-work programs, prompt claim-reporting discipline, and supervisor training. Benefitra tracks the MOD math each renewal, models the impact of pending claims, and coordinates with the carrier on disputed losses.
OSHA and safety-program credit. Many carriers offer schedule credits, dividend programs, or rate reductions for documented safety programs, regular toolbox talks, OSHA 10 / OSHA 30 supervisor certification, and clean inspection histories. We document and submit these credits at every renewal so they actually show up on the premium quote.
Bilingual benefits communication. Enrollment season fails when materials only exist in English and supervisors are translating informally on the jobsite. We deliver plan summaries, enrollment forms, and benefits webinars in both English and Spanish, with bilingual enrollment representatives available at jobsite or shop-floor enrollment events. Higher participation, fewer mid-year disputes.
The class-code audit alone recovered $48,000 from the prior two policy years. That paid for the whole engagement and then some. The new MOD is half a point lower than before.
Bilingual enrollment changed everything. Participation went from 40 percent to 78 percent in one cycle, and the questions our supervisors had to field dropped to almost zero.
Having one broker handle workers' comp, the auto policy, and the health plan means I get one call when something happens and one renewal calendar to track. Worth every dollar.
Common questions from construction, manufacturing, transportation, and skilled-trades employers.
Send us your last two policy declarations and a current census. We deliver a class-code audit, MOD projection, and health-plan funding-fit grade in under two weeks.
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