Small Accounts Workers’ Compensation Program
Caitlin Morgan Insurance Services offers a focused Small Accounts Workers’ Compensation Program to help agents and brokers place smaller premium accounts quickly and efficiently. The program combines underwriting flexibility with fast quote turnaround and access to a broad range of class codes—making it a strong option for Main Street businesses that need admitted workers’ comp coverage at manageable premium levels.
Ideal Accounts and Class Eligibility
This program is designed for smaller businesses with annual premiums up to $25,000 and is most competitive for accounts under $10,000. Approximately 185 class codes are eligible, with an emphasis on lower-risk industries. Target industries include:
- Retail shops
- Hospitality
- Office professionals
- Light manufacturing
- Restaurants
- Automobile service & repair
If you have a client operating a small retail store with a handful of employees or a family-owned restaurant seeking affordable workers’ comp, this program provides a streamlined placement option.
Coverage Advantages
Caitlin Morgan’s Small Accounts Workers’ Compensation Program offers:
- Fast quote turnaround to accelerate placements
- Broad class-code eligibility across many Main Street business types
- Admitted markets in available states for smooth, admitted placements
- Underwriting and service geared toward smaller premium accounts
The program reduces the common hurdles agents face when placing small comp accounts by offering responsive underwriting and an efficient submission process.
Underwriting Notes and Minimum Premium
The program starts with a minimum premium of $2,500 and is most effective for accounts with premiums under $10,000. Typical underwriting considerations include:
- Business operations and employee classifications
- Loss history and overall risk profile
- Number of employees and payroll size
For a complete list of eligible class codes, visit our website at: caitlin-morgan.com/workerscomp/small accounts
Territorial Availability
The Small Accounts Workers’ Compensation Program is available in the following states: AR, CO, CT, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, and WI.
Why Work With Caitlin Morgan Insurance Services
As a wholesale broker with deep experience in workers’ compensation, Caitlin Morgan specializes in helping agents place challenging or underserved small accounts. Their focused approach to Main Street risks, flexible underwriting, and commitment to fast service make them a valuable partner for agents looking to grow or protect their comp book.
You might bring this market a 6-employee neighborhood auto repair shop or a two-location retail business that needs admitted coverage but doesn’t meet larger-market minimums—both are the type of accounts that fit the program’s appetite.
Contact: Gerry Dumke, (800) 723-7475
[email protected]