Workers Compensation Insurance

The Breckenridge Insurance Services team provides deep expertise in Workers Compensation Insurance across a wide range of industries. As a wholesale broker with access to multiple A-rated carriers, we deliver comprehensive, competitive workers' compensation solutions tailored to your clients’ risk profiles. We do more than source coverage — we help agents place challenging risks, manage complex exposures, and deliver value-driven protection for both employees and employers.

A properly structured workers' compensation program protects injured employees from the financial burden of work-related injuries and shields your clients from costly liability suits and regulatory exposure. With broad market access and underwriting expertise, Breckenridge helps you present a compelling solution that positions workers' comp as a strategic investment in your clients’ business continuity and workforce stability.

Coverage Highlights

Fast turnaround and responsive, broker-focused service
Access to A-rated carriers with strong workers' comp offerings
Excess workers' compensation options for self-insureds and large deductibles
Solutions for tough-to-place risks, loss-sensitive accounts, and accounts with lapses

Target Classes
We offer access to more than 500 classification codes and specialize in placing accounts with elevated risk or prior loss history. Key target industries include:

Auto recyclers and auto dealers
Roofing and construction trades
Heavy manufacturing operations
Contractors and landscapers
Property management
Healthcare facilities and nursing homes
USL&H (Longshore & Harbor Workers)

You might have a client who runs a roofing business with prior claims, or a healthcare facility seeing rising claim frequency. Breckenridge can identify competitive placement options when other markets decline or price aggressively for exposure.

Underwriting Considerations

Minimum premiums vary by class, state, and carrier
Loss history, payroll segmentation, and risk management practices are closely evaluated
We work with both standard and non-standard risks, including accounts with lapses or prior cancellations

Territories and Availability
We offer workers' compensation solutions in most U.S. states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Contact us to confirm availability and admitted/non-admitted options for your client’s state and account structure.

Why Partner with Breckenridge Insurance Services?
Breckenridge is a specialty wholesale intermediary with strong carrier relationships and a proven record of helping agents secure coverage for complex or distressed workers' comp accounts. From submission to placement and through claims support, our goal is to simplify the placement process, improve quoting outcomes, and help you deliver measurable value to your insureds.

Contact us today to access top-rated workers' compensation markets and place your next account with confidence.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is well-suited for higher-risk industries such as roofing, manufacturing, healthcare, auto recycling, and landscaping — especially accounts with prior claims, challenging exposures, or heavy manual labor.

Can you help with accounts that have had previous losses?

Yes. We specialize in tough-to-place risks and routinely work with accounts that have prior loss history, lapses in coverage, or are considered high exposure.

Is coverage available nationwide?

We offer workers' compensation solutions in most U.S. states. Refer to our state list above or reach out to confirm availability and market options for a specific location.

What is the minimum premium required?

Minimum premiums vary by class of business, state, and carrier. We’ll help you identify the most appropriate market based on your client’s payroll, class mix, and budget.

Do you offer options for self-insured clients?

Yes. We provide excess workers' compensation solutions for self-insured entities and large-deductible programs to help manage catastrophic exposure.

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

U.S. States Available

U.S. States Available:
US Territories:

American Samoa , Guam, Minor Outlying Islands , Northern Mariana Islands , Puerto Rico, Virgin Islands

Provider Type:

Wholesale Broker

Admitted:

Most Available States

Carriers:

Carrier Ratings:

Varies

Commission:

Competitve

Min Premium:

Varies

Coverages:

Workers Compensation Excess Insurance Workers Compensation Insurance

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Breckenridge Insurance Services