CoEfficient Underwriters offers a specialized Human Services Insurance Program designed for agents and brokers looking to place large workers’ compensation accounts in the human and healthcare services sector. Backed by an "A" rated AM Best insurance carrier, this program provides reliable coverage and strong financial security for your clients.
Ideal Accounts and Appetite
This program is tailored for large human services organizations with significant workers’ compensation exposure. It is best suited for accounts with premiums between $100,000 and $2,000,000. Target classes include:
- Nursing Homes
- Assisted Living Facilities
- Hospitals and Surgery Centers
Some classes are excluded or limited, including:
- Home Health (must be under 20% of the total exposure)
- Halfway Houses
- Asylum/Sanitarium Exposure
- In-patient Adult Drug & Alcohol Rehabilitation Facilities
Example: You may have a client operating a multi-location assisted living group with 200+ employees—this program could be a strong fit if they’re looking for tailored workers’ compensation solutions and the potential for profit sharing.
Coverage Highlights and Advantages
- Workers’ Compensation coverage from an "A" rated carrier
- Unbundled and customized loss control services provided by Brentwood Services
- Individual account underwriting to meet each client’s unique risk profile
- Top-performing insureds can earn profit sharing up to 50% of their premium
- Premium + 25% profit share contribution structure, with financing options available for the total 125%
Underwriting Notes and Minimum Premiums
To qualify, accounts must meet the $100,000 minimum premium requirement. The program is designed for organizations with well-managed operations and a commitment to safety and loss control. Every submission is reviewed individually, allowing for flexibility and customized solutions.
Territories and Availability
This program is available in most states across the U.S., including but not limited to: CA, TX, FL, NY, IL, PA, and GA. In total, coverage is offered in 48 states plus Washington D.C. Please note that availability may vary by class and jurisdiction.
Why Work With CoEfficient Underwriters
As a focused program administrator, CoEfficient Underwriters brings deep expertise in the human services sector. With individualized underwriting, competitive profit-sharing opportunities, and dedicated loss control support, they provide brokers with the tools to serve large, complex accounts confidently. Their hands-on approach and access to strong carrier partnerships make them a valuable resource for placing challenging workers’ compensation risks in the human services space.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program is ideal for larger human services organizations such as nursing homes, assisted living facilities, and hospitals with workers’ compensation premiums between $100,000 and $2,000,000.
Are there any classes that are excluded from coverage?
Yes. Excluded classes include halfway houses, asylum/sanitarium exposures, in-patient adult drug and alcohol rehabilitation, and home health operations exceeding 20% of the total exposure.
What is the minimum premium requirement?
The minimum workers’ compensation premium to qualify for the program is $100,000.
Can my client finance the premium and profit share contribution?
Yes. Premium financing is available for the full 125%, including the premium and 25% profit share contribution.
Where is this program available?
The program is available in 48 states plus Washington D.C., including major markets like CA, TX, FL, NY, and IL.
Need help placing an account? Connect with a market specialist.