“Tough” or difficult to place risks

The national leader in tough or difficult to place risks

Available in most states, we are the national leader in tough or difficult to place risk coverage, and we pay great commissions (commissions vary by risk, governing code, and size of account). Accounts that wish to get out of a State Work Comp fund, a state “assigned risk pool”, or “insurer of last resort,” or accounts that have been canceled by the “standard market” due to losses or exposure are a great match for these programs. 

Program Features

Retrospective Programs

Guaranteed Cost Options

High Deductible Programs

Dividend or "Return of Premium" Plans

"Consent to Rate" Approvals

Loss Control Assistance

Pay As You Go Options

Optional Payroll Service Including Full Tax Remittance & Compliance

Expert and Fair Claims Management

HR Services / Support

Optional Zero Premium Deposits

Premium Deviations

appetite & focus

We have over 12 Carriers to work with including some of the highest-rated AM Best Carriers in the country; Ace Insurance / Chubb, AIG, Argonaut Group, Benchmark, Frank Winston Crum Insurance, Guarantee Insurance Company / GIC, Lion Insurance Company, Sunz, Texas Mutual, Zurich and more. Contact us and get appointed today, we want to help with your “Tough to Place” Risk Accounts.

Click to View Sampling of 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
Submission Requirements


X-Mod Worksheet

3 Year Loss Runs


Loss History Affidavit For Lapsed/No Prior Accounts

Explanation For Claims Over $20,000

Our Carriers

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