Workers' Compensation for Contractors and Maritime Employers

Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers

PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options.

Ideal Accounts and Appetite

• Union and non-union contractors, including California collectively bargained union contractors.
• Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters.
• Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks.
• Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details.

Coverage Highlights and Advantages

• Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers.
• Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement.
• Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit.
• Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures.

Underwriting Notes and Minimum Premiums

Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include:

• Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000
• Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states
• Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000
• USL&H and Maritime Employers' Liability:
  • Minimum premium = $125,000 in CA
  • $75,000 in AK, OR and WA
  • $100,000 in other states
• Supporting coverage available in select other states — call PointSure for details and state-by-state availability.

Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms.

Territories and Availability

Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission.

Why Work With PointSure on This Business

• Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures.
• Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper.
• Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions.

Example Account Scenarios

• California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums.
• Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.