Phoenix Risk Management (PRM), in partnership with Intercare Specialty Risk and SeaBright Insurance Company, offers a comprehensive nationwide Workers’ Compensation program tailored specifically for Social Services and Healthcare Facilities. This exclusive program is designed to serve the unique needs of organizations that support vulnerable populations through residential care, adult day care, and social rehabilitation services.
Overview of the Program From Phoenix Risk Management
This Workers’ Compensation program is built for agents and brokers seeking reliable, flexible markets for social service organizations. PRM leverages its deep understanding of the social services sector and works with top-tier partners to deliver robust coverage options. The program is backed by SeaBright Insurance Company and offers competitive commission structures and a variety of rating plans to suit different client needs.
Ideal Accounts and Appetite
PRM’s Social Services Workers Compensation Insurance program targets a wide range of social service providers. Eligible accounts include:
- Adult day care centers
- Residential care facilities for children
- Adult social rehabilitation programs
This program supports the following class codes:
| NCCI Codes |
|
CA Codes |
| 8868/9101 |
Adult day care - only |
8868 |
| 8842 |
Residential care facilities - children |
8823 |
| 8842/8864 |
Social rehabilitation for adults |
8804 |
Coverage Highlights and Advantages
This program offers agents the flexibility to match their clients’ needs with cost-effective and scalable coverage solutions. Key features include:
- Guaranteed cost options
- Retrospective rating plans
- Dividend plans
- Deductible rating plans
These options allow agents to offer tailored solutions that can help control workers' compensation costs while maintaining robust protection for employees.
Underwriting Notes
PRM and its partners take a thoughtful underwriting approach based on deep industry knowledge. While there is no published minimum premium, underwriters focus on accounts that demonstrate a commitment to safety and risk management. Submissions should include detailed operational information to expedite quoting and ensure accurate pricing.
Territories and Availability
This program is written on a non-admitted basis and is available in all 50 states plus Washington, D.C. Agents can confidently write business nationwide, including in challenging jurisdictions that require specialized expertise to navigate.
Why Work With Phoenix Risk Management?
As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Phoenix Risk Management offers unmatched access to specialized markets and underwriting expertise. Their partnership with Intercare Specialty Risk and SeaBright Insurance Company ensures a high level of service, claims handling, and program stability. Whether you’re placing a single facility or managing a portfolio of social service organizations, PRM delivers responsive support and customized solutions.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for adult day care centers, residential care facilities for children, and adult social rehabilitation services.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, D.C., on a non-admitted basis.
What kind of rating plans are offered?
The program offers guaranteed cost, retrospective rating plans, dividend plans, and deductible rating options.
Do you require a minimum premium?
There is no published minimum premium, but underwriting prioritizes well-managed risks with appropriate documentation.
Who is the carrier backing this program?
The program is backed by SeaBright Insurance Company, in partnership with Intercare Specialty Risk.
Need help placing an account? Connect with a market specialist.