Sampling of Classes:

(Many More Available)

  • Artisan Contractors
  • Butane, Propane, LPG Dealers / Install
  • Clearing, Grading or Land, Excavation
  • Demolition
  • Electrical Apparatus Installation
  • Electricians NOC
  • Excavation, Grading and Equipment
  • Farming
  • Framing and Carpentry
  • Freight Handlers
  • Gunite Contractors
  • Heavy Construction
  • In Home Care and Assisted Living
  • Janitorial
  • Landscaping
  • Limousine Services
  • Manufacturing
  • Masonry and Concrete
  • Millwright Work
  • Oil or Gas Lease Work
  • Oil or Gas Well Supplies Dealer
  • Painting
  • Pipe or Tube Manufacturing
  • Pipe Reconditioning
  • Pool Plastering
  • Property Management
  • Residential Care
  • Residential Cleaning
  • Roofing
  • Staffing
  • Steel or Iron Fabrication or Erection
  • Swimming Pool Contractors
  • Towing
  • Transportation
  • USL&H
  • Warehouses

Target Risks for This Market:

  • Tough or High Hazard class codes, multi-state exposure or adverse underwriting criteria
  • Accounts that have X-Mods between 1.30 and 3.0 or higher
  • Accounts are being Non-Renewed or cancelled by the “standard market” due to losses or exposure
  • Accounts that wish to get out of a State Work Comp fund, a state “assign risk pool” or “insurer of last resort”
  • Any account that is headed to a State Insurance fund, “assign risk pool” or “insurer of last resort”
  • Lapse in coverages or accounts with No Prior coverage
  • Accounts that are distressed or are running out of coverage
  • Any combination of the above that makes the account difficult for the standard market to handle
  • Any account you are having difficulty placing

Appetite:

  • High Hazard or Tough Classes
  • MOD 1.30 or Greater
  • Accounts in State Pools or Funds
  • Blue, Gray and White Collar
  • Distressed Accounts or Lapsed
  • No Prior, Cancelled, Non-Renewed
  • New Ventures – Ok
  • Multi-State Accounts our Specialty
  • Minimum Premium: $10,000
  • Minimum Payroll: $250,000

Program Features:

  • Guaranteed Cost Options
  • Retroactive / Retro Options
  • High Deductible Programs Options
  • Dividend of “Return of Premium” Plans
  • PEO Options
  • Loss Control Assistance
  • Pay As You Go Options
  • Zero Premium Deposits Options
  • Expert and Fair Claims Management
  • HR Services / Support
  • Optional Payroll Service Including Full Tax Remittance and Compliance, 941’s, W-2’s

Commissions:

Great Commissions – ranges from 6 to 10% of Workers Compensation premiums (commissions vary by risk, governing code and size of account)

States:

AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI

Submission Requirements:

Forms and Applications: