Ideal Accounts and Appetite
- Premiums from $2,000 up to $5,000,000
- Most class codes eligible (subject to premium size)
- New ventures welcome
- High experience mods considered
- USL&H exposures from incidental to 100%
You can place a wide range of accounts, from start-up contractors with challenging prior history to established healthcare or transportation operations. If you have an insured with unique operations or a high mod, we can help you find a solution.
Coverage Highlights and Advantages
- Multiple carriers to meet varied underwriting needs
- Same-day quoting and binding available (when accounts fit binding authority)
- Aggressive payment plans to support client cash flow
We also offer tailored programs for:
- Charitable & welfare organizations
- Social service agencies and schools
- Day care and group homes
- Churches, counseling services, and sheltered workshops
- Medical temp staffing and clerical/physician accounts
Specialized classes with USL&H exposure include:
- Ship builders and marine service companies
- Marine construction and tank cleaning
- Stevedoring and marine terminals
- Offshore oil & gas operations
Tough Classes Over $75,000 in Premium
We welcome complex or higher-risk accounts with significant premium, including:
- General contractors, roofers, steel erectors, foundation and framing contractors
- Transportation: truckers, taxis/limos, ambulance and convalescent transport
- Healthcare: hospitals, nursing homes, home healthcare
- Farming, citrus/sod growers, slaughterhouses, quarries, and sawmills
- Security: armored car services and armed guards
Underwriting Notes and Submission Requirements
There is no minimum premium to submit. To receive a quote, please provide:
- Completed Acord 130 application
- 4 years of currently valued hardcopy loss runs
- Experience Mod worksheet or 4 years of historical payrolls
Territories and Availability
This program is available in nearly every state, including CA, TX, FL, NY, and more—covering all 50 states and DC. With admitted options in select markets, we can tailor solutions to your jurisdictional needs.
Why Work With VAIL and Atlantic Risk Specialists
As a trusted wholesale broker, VAIL brings decades of experience and strong carrier relationships to help you place monoline comp for everything from standard classes to distressed risks. With in-house binding authority, rapid quote turnaround, and creative underwriting, Atlantic Risk Specialists is your go-to partner for Workers' Compensation placement challenges.
Frequently Asked Questions
What types of accounts are a good fit for this Monoline Comp program?
We can accommodate a wide range of business types, including social services, healthcare, contractors, marine operations, and tough transportation classes. High-mod and new ventures are welcome.
Is there a minimum premium requirement to submit an account?
No, there is no stated minimum premium. We consider accounts starting at $2,000 and up to $5 million in premium.
Do you offer coverage for USL&H exposures?
Yes, we handle USL&H exposures from incidental to 100%. This includes marine construction, stevedoring, and offshore energy work.
Can you help with high-risk or tough classes?
Yes, we specialize in tough-to-place risks such as roofers, truckers, armed guards, and more—especially for accounts over $75,000 in premium.
What is required to get a quote?
You’ll need to submit a completed Acord 130 form, four years of hardcopy loss runs, and either an Experience Mod worksheet or four years of historical payrolls.
Need help placing an account? Connect with a market specialist.