CoEfficient Underwriters offers a specialized Workers Compensation Insurance Program designed to help agents and brokers place complex and higher-risk accounts with confidence. With access to multiple carriers across all available markets, this program is structured to serve clients with significant premium needs and challenging class codes.
Ideal Accounts and Appetite
The program targets a variety of industries that often face difficulties securing competitive Workers Comp coverage. Appetite includes, but is not limited to:
- Commercial Contractors
- Healthcare Facilities (excluding home health)
- Hotels and Hospitality
- Property Management Companies
- Restaurants and Food Service
- Social Service Organizations
Excluded classes include:
- Home Health Services
- PEOs and Temporary Staffing Firms
- Roofing Contractors
- Transportation and Trucking Risks
Coverage Highlights and Advantages
This program offers both Guaranteed Cost and Large Deductible structures to accommodate various risk profiles and premium thresholds. Key benefits include:
- Access to multiple carriers for flexible underwriting
- Solutions tailored for tougher classes and higher-risk industries
- Dedicated wholesale brokerage support from CoEfficient Underwriters
- Options for employers seeking cost containment through deductibles
You might have a client like a regional restaurant chain with 100+ employees or a general contractor operating in multiple states—these are the types of accounts that can thrive in this program.
Underwriting Notes and Minimum Premiums
- Minimum premium for Guaranteed Cost: $50,000
- Minimum premium for Large Deductible plans: $250,000+ (varies by state)
Accounts should have solid loss history and be open to alternative risk financing structures where appropriate. Submission requirements may vary based on the class and state.
Territories and Availability
This Workers Compensation Insurance Program is available in:
AL, AZ, AR, DE, FL, GA, IN, KS, KY, LA, MD, MI, MS, MO, MT, NE, NV, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VA, DC, WV
Admitted and non-admitted options are available depending on the carrier and state.
Why Work With CoEfficient Underwriters
As a wholesale broker with deep experience in Workers Compensation and access to multiple markets, CoEfficient Underwriters is well-positioned to help agents and brokers place complex accounts that might not fit standard programs. Their focus on tough classes and large premium accounts means you can rely on their expertise and market access to deliver solutions that meet your clients’ needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Accounts with minimum premiums of $50,000 for guaranteed cost and $250,000+ for large deductible plans. Ideal industries include contractors, healthcare (excluding home health), hospitality, property management, restaurants, and social services.
Is this program available on an admitted basis?
Yes, admitted and non-admitted options are available depending on the carrier and the state.
What classes of business are excluded?
This program does not write home health, PEOs or temp staffing firms, roofing contractors, or transportation-related risks.
Which states is the program available in?
The program is available in 30+ states including TX, FL, CA, GA, PA, and many others. Please refer to the full state list above for complete availability.
What carriers are included in the program?
CoEfficient Underwriters works with multiple carriers across all available markets. Specific carriers depend on the risk and state.
Need help placing an account? Connect with a market specialist.