Occupational Accident/Non-Subscriber Insurance Program from U.S. Risk
U.S. Risk Insurance Group, Inc. provides a competitive, flexible Occupational Accident/Non-Subscriber Insurance program tailored for employers that operate outside traditional workers’ compensation systems. With broad access to Excess & Surplus (E&S) markets, U.S. Risk helps brokers place cost-effective solutions for clients who want alternatives to statutory workers’ compensation.
As an experienced E&S broker, U.S. Risk understands the exposures non-subscriber employers face—especially in states such as Texas where workers’ compensation is optional. The program is structured for agents who need underwriting flexibility, creative coverage design, and efficient turnaround on hard-to-place accounts.
Ideal Accounts and Appetite
This program suits businesses that have chosen not to participate in a statutory workers’ compensation system and want occupational accident coverage to protect employees for on-the-job injuries. Target industries include:
- Light and medium manufacturing
- Retail and hospitality operations
- Construction (select classes)
- Transportation and logistics
- Healthcare facilities (non-hospital)
U.S. Risk generally looks for groups with five or more employees. Accounts with documented safety programs, regular training, and strong loss-control practices are more likely to receive favorable terms.
Coverage Highlights and Advantages
The Occupational Accident/Non-Subscriber program includes core indemnity and medical benefits along with value-added services to improve outcomes and manage costs:
- Travel assistance services for work-related travel
- Identity management services for injured employees
- Discount prescription (RX) program
- Medical travel assistance for specialized care
- Optional dividend-eligible policy structures for qualifying accounts
These features can help you present a more comprehensive solution to clients who want to protect workers while retaining control of claims and return-to-work programs outside of a statutory system.
Underwriting Notes and Minimum Premiums
Each risk is underwritten on its own merits. Underwriters evaluate industry class, payroll, loss and claims history, safety controls, and the employer’s return-to-work practices when structuring coverage and pricing. The program typically requires five or more employees for eligibility.
Because U.S. Risk works with multiple markets, brokers can collaborate with the underwriting team to explore different coverage structures and optional enhancements that align with client objectives.
Territories and Availability
This program is available in most U.S. states, including Texas, where non-subscription is common. U.S. Risk writes Occupational Accident/Non-Subscriber Insurance in the following states:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Markets are generally accessed on a non-admitted basis to allow greater flexibility in coverage design and pricing.
Why Work With U.S. Risk
U.S. Risk brings decades of E&S experience and a dedicated occupational accident underwriting team. They are known for responsive service, pragmatic underwriting, and the ability to place complex or niche commercial risks quickly. That market access and underwriting expertise can make the difference when standard admitted markets are unavailable or inflexible.
Example scenarios that fit well with this program:
- A regional logistics firm based in Texas that prefers to manage claims internally but needs a structured occupational accident policy for drivers and warehouse staff.
- A growing manufacturer operating across several states that requires consistent occupational accident coverage for employees working on customer sites.
To learn more or submit a risk, contact Patricia Haas at 800-232-5830.