High-risk workers’ compensation insurance is designed for higher-risk class codes, distressed or non-renewed accounts, and coverage gaps, including multi-state accounts. It covers uncommon employee injuries, medical expenses, disability benefits, and death benefits. When choosing a brokerage firm for high-risk workers’ compensation, seek one with a broad range of quality carrier partners, large deductible options, and flexibility with X-Mods ranging from 1.30 to 5.00 or higher, and options for no premium deposits or annual audits.

This coverage is particularly suited for industries such as Amazon delivery, assisted living facilities, demolition, limousine services, woodworkers, manufacturers, rideshare companies, roofers, staffing agencies, tower work/cell sites, truckers, and warehouse workers, among others. There are many complexities associated with high-risk workers’ compensation insurance, and our team is here to provide detailed explanations and help you find the right coverage at the best price.

Yes, contractors can obtain high-risk workers’ compensation insurance. We partner with A to A++XV rated carriers to provide standalone workers’ compensation coverage for high Mod, lapsed, and new venture independent contractors. Our programs feature competitive rates, credits up to 38%, and options for monthly self-reporting.

We work with a wide range of contractor classes, including air conditioning, building operations, carpentry, concrete, drywall, electricians, excavation, framing, HVAC, landscaping, masonry, painting, plastering, plumbing, roofing, sewer work, sheet metal, sprinkler installation, street and road construction, waterproofing, and more. We will collaborate with you and your client to secure the most competitive standalone workers’ compensation coverage tailored to their specific needs.

Yes, staffing and temp agencies can obtain standalone high-risk workers’ compensation insurance. We work with several A-rated carriers that accept a broad range of class codes, offering large deductible options, aggressive claims management, first dollar coverage, and guaranteed cost plans.

Typical classes for standalone workers’ compensation insurance include clerical, medical, tough class codes, blue, gray, or white-collar workers, high X-mods, prior workers’ compensation claims, lapses in coverage, and multi-state risks. Our team will help you navigate the complexities of high-risk workers’ compensation insurance to secure the best coverage at the right price for your clients.