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      Workers Compensation Insurance

      NOPI's workers compensation policy covers all employees and independent contractors and is billed back to the program.

      W2 employees paid through Gusto are subject to workers' compensation charges per pay period, while 1099 independent contractors face these charges with each payment they receive. The rates for workers' compensation are determined by our policy, currently offered by NEXT > AP Intego Insurance Group > AmTrust Financial.

      Budgeting for Workers Comp

      To include the cost of workers' compensation for your employees and/or independent contractors in your budget, please email the following details to hr@thenopi.org:

      1. The state where the employee or contractor will be working
      2. The type of work being performed (e.g., office work, construction)
      3. The anticipated annual salary for employees and/or the expected compensation for independent contractors

      Notes for Independent Contractors (1099s)

      Programs can avoid the cost of workers' compensation insurance for independent contractors (1099s) by submitting their own certificate of insurance before the end date of the coverage period on 5/2.

      Calculating Rates

      Workers comp rates are calculated over a twelve month period between 5/3 - 5/2 of each year. This differs from our fiscal year of 1/1 - 12/31.

      1. Use the base rate at https://app.apintego.com/account/dashboard/E330381/policies/P1097139-L1114448/policy-rates (this URL is only accessible by our team at NOPI, contact us to get the base rate for your state.)

      2. Multiply the base rate by the estimated annual wages between 5/3 - 5/2

      3. Divide the total by $100