In the hospitality industry, exceptional service is expected — but behind the scenes employees face physical risks that make workers compensation coverage a top priority. With a higher-than-average frequency of workplace injuries in this sector, hospitality businesses need reliable, technology-driven solutions to control costs and manage liability.
Ideal Accounts and Target Classes
This program is tailored for a broad range of hospitality-related operations. It fits accounts that have moderate to high payroll and significant hourly staff exposure — for example, kitchens, servers, delivery drivers, housekeeping and retail sales. Active class codes include:
Example fits: a boutique hotel with on-site dining and housekeeping staff, or a regional restaurant group with kitchen teams and delivery drivers. The market also considers lapsed coverage accounts, giving flexibility for clients returning to the marketplace.
Coverage Highlights and Program Advantages
Agents and brokers gain a streamlined underwriting and servicing experience. Key features include:
This combination reduces administrative burden for insureds, improves payroll/cash-flow predictability, and provides an integrated HR platform to help control claims and compliance exposure.
Underwriting Notes and Minimum Premiums
The program targets mid-sized to larger hospitality accounts. Typical guidelines include a minimum premium of $25,000 and an experience modification (ExMod) range generally between 1.20 and 2.90. Underwriting reviews payroll composition, loss history, operations mix and whether the account’s employee functions align with ShiftPixy’s service model.
Availability and Admitted Status
This market is available in most states on an admitted basis in many territories. Key states include AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA and WI. Availability may vary by carrier and state — underwriters will confirm admitted status at quote.
Why Work With Integrated Underwriters?
Integrated Underwriters combines deep workers compensation expertise with a strong partnership with ShiftPixy to deliver a modern, efficient placement for hospitality risks. Agents benefit from online quoting and binding, fewer audits, a pay-as-you-go premium flow, and access to tools that help reduce employer-related liabilities. The program is designed to help you place larger, payroll-heavy hospitality accounts that need both coverage and operational support.
To request a quote or discuss placement strategy, connect with a market specialist and we’ll help determine fit and availability for your client.
Frequently Asked Questions
What types of accounts are a good fit for this Workers Compensation Hospitality program?
This program works best for hotels, full-service and limited-service restaurants, bakeries, grocery and specialty food retailers, and other hospitality businesses with significant hourly payroll and active employee roles.
Can I submit accounts with a lapse in prior coverage?
Yes. Accounts with prior coverage lapses are eligible for consideration, though underwriting will review reasons for the lapse and recent payroll activity.
What is the minimum premium requirement?
The minimum premium for the program is $25,000, making it targeted to mid-sized and larger hospitality operations.
Which states is this program available in?
The program is available in most states. Major available territories include CA, TX, FL, NY, IL and many others; final availability and admitted status are confirmed at quote.
How does ShiftPixy® help reduce employer-related liabilities?
ShiftPixy® provides a technology-driven payroll and HR platform that assumes employer-related administrative functions, helping to centralize compliance, payroll and HR processes and reducing operational exposure for the insured.
Need help placing an account? Connect with a market specialist.