Overview of the Chenango Brokers Workers Compensation Program
Our Workers Compensation program is designed for standard to moderately complex small- and medium-sized commercial accounts across a broad set of class codes. We place admitted and non-admitted capacity depending on the state and carrier — please check specific carrier availability when submitting. Chenango Brokers focuses on getting your client placed quickly while matching exposures to the right market.
Ideal Accounts and Appetite
- Light- to mid-hazard business occupancies such as office, retail, wholesaling, and many Main Street operations.
- Habitational risks: apartments, mixed-occupancy buildings, and lessors’ risk accounts.
- Food service and restaurant operations with controllable kitchen exposures.
- Automotive garage classes with standard operations (exclusions may apply for specialty services or heavy repair shops).
Accounts with extensive subcontracting, severe loss histories, or highly hazardous operations (heavy manufacturing, large-scale construction operations, or specialized industrial exposures) typically do not fit this program without prior discussion with underwriting.
Coverage Highlights and Advantages
- Access to multiple admitted and non-admitted carriers through Chenango’s wholesale relationships.
- Underwriting expertise that helps classify payroll accurately and identify loss control opportunities.
- Flexible solutions for standard class codes and common habitational and Main Street exposures.
- Support placing accounts that need tailored endorsements or specific state compliance features.
Underwriting Notes and Minimum Premiums
Underwriting decisions consider class codes, payroll, loss history, safety programs, payroll audits, and state-specific requirements. Minimum premiums vary by carrier and product; please reference the specific carrier submission guidelines or contact your Chenango Brokers representative for minimum premium thresholds and available alternatives.
Territories and Availability
This program is available in the following states: AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, OR, PA, RI, TX, VA, WA. Availability of specific carriers, admitted vs. non-admitted options, and some products will vary by state.
Why Work With Chenango Brokers on Workers Compensation?
- Thirty-plus years’ experience placing workers compensation across diverse classes.
- Wholesale broker access to markets that many retail agents cannot reach directly.
- Practical underwriting guidance to improve placement chances and reduce quote turnaround time.
- Responsive service aimed at helping you satisfy clients who need compliant, affordable coverage.
Example accounts that fit well
- You have a single-location restaurant with three to five employees, recent safety updates, and a clean loss history—this program can deliver admitted or non-admitted options depending on state.
- You represent a small apartment building owner who needs a lessors’ risk policy with clear payroll classification and state-compliant forms—Chenango can help find carriers that specialize in habitational exposures.
For more information about our Workers Compensation program or to submit a risk, give us a call today and instantly speak with one of our experts!
Frequently Asked Questions
What types of accounts are a good fit for Chenango Brokers’ Workers Compensation program?
We target light- to mid-hazard small- and medium-sized commercial accounts: restaurants, office/retail, wholesalers, apartments, mixed-occupancy properties, lessors’ risk, and many Main Street businesses. Highly specialized industrial or high-hazard construction risks typically need a different program.
Which states and admitted options are available?
The program writes in AL, AZ, CT, FL, GA, IL, MD, NV, NJ, NY, OH, OK, OR, PA, RI, TX, VA, and WA. Admitted and non-admitted capacity is available depending on the carrier and state—availability varies by product and market.
What should I include with a submission to improve placement chances?
Include accurate payroll by class code, current loss runs (3–5 years preferred), a description of operations, any formal safety programs, and details on prior carriers. Clear information speeds underwriting decisions.
How are minimum premiums and pricing determined?
Minimum premiums and pricing depend on the carrier and product. Chenango works with multiple markets to find competitive options; contact us for carrier-specific minimums and program guidelines.
Need help placing an account? Connect with a market specialist.