Tower Group

States

AL, AZ, CA, FL, GA, IL, IN, KY, MS, MO, NC, NJ, NV, NY, PA, SC, TN, TX, VA, WV

Commissions

• 6 to 10% Depending on Class, State and Experience

Premium Range

• $750 Minimum – up to $10,000 Maximum

Submission Requirements

• Completed Acord 130
• Complete Description of Operations
• 4 Years Loss Runs
• Experience Mod-Sheet

Program Highlights

• Rated “A-”by A.M. Best
• Available in 28 States
• More than 60 classes of business are acceptable for WC underwriting
• Preferred WC Business: Restaurants, delis, supermarkets, retail establishments, private schools, dry cleaners, hotels, country clubs, and office workers, light manufacturing
• Pricing: Scheduled Rating Plans and deviations vary by state. Guaranteed Cost

Program Applications

• All Workers Comp Supplemental
• Construction Supplemental
• Hotel / Motel Supplemental
• Janitorial Supplemental
• Landscaping Supplemental
• Manufacturing & Assembly Supplemental
• Restaurant Supplemental
• Retail Supplemental
• Go Here for More Forms

Target Classes (Many More Available)

• Restaurants
• Delis
• Supermarkets
• Retail
• Private Schools
• Dry Cleaners
• Hotels
• Country Clubs
• Light Manufacturing

Excluded Exposures

• Contracting Exposure
• 24 hour business operations
• Seasonal operations business
• Sole proprietor, or solely executive officers
• Risks with only family members as employee
• Businesses with live entertainment
• Risks above 25th floor