Highlights

  • Guaranteed Cost
  • Retrospective Programs – “Retro Plans”
  • High Deductible Programs
  • Premium Deviations
  • “Consent to Rate” Approvals
  • Dividend or “Return of Premium” Plans
  • Loss Control Assistance
  • Pay As you Go Options
  • Optional Zero Premium Deposits
  • 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)

Target Classes

(Many More Available)

  • Artisan Contractors
  • Butane, Propane, LPG Dealers and Installers
  • 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 Equipment 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
  • Transportation
  • USL&H
  • Warehouses

We Handle Risks for All States Except Monopolistic

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

Target Market

  • Accounts that wish to get out of a State Work Comp fund, a state “assign risk pool” or “insurer of last resort”
  • Accounts are being Non-Renewed or cancelled by the “standard market” due to losses or exposure
  • Any account that is headed to a State Insurance fund, “assign risk pool” or “insurer of last resort”
  • Accounts that have X-Mods between 1.30 and 3.0
  • Accounts with a credit mod but being Non-Renewed by current carrier due to heavy losses the prior year
  • Lapse in coverages or accounts with No Prior coverage
  • Accounts that are distressed or hard-to-write
  • Tough or High Hazard class codes, multi-state exposure or adverse underwriting criteria
  • Any combination of the above that makes the account difficult for the standard market to handle
  • Tough or High Hazard Class Codes with some or all of the above criteria
  • We will look at most any Class Codes from Clerical, to Manufacturers, Contractors, Health and Service to name few

Top Carriers

We have over 12 Carriers to work with including some of the highest rated AM Best Carriers in the country, including   Ace Insurance / Chubb, AIG, Argonaut Group, Amtrust, Benchmark, Frank Winston Crum Insurance, Guarantee Insurance Company / GIC, Lion Insurance Company, Sunz, Texas Mutual, Zurich

Submission Requirements

  • Acord 130
  • 3 Years loss history
  • Loss History Affidavit for accounts with Lapse in coverage or No Prior
  • Explanation of claims over $20,000
  • Experience Mod-Sheet
  • The Supplemental for the Class of Work pertaining to the risk being submitted
    (Click here for Supplementals)

Forms and Applications: