Overview of the Worker's Compensation Program from America's Internet Brokers, Inc.
America's Internet Brokers, Inc. offers a flexible Worker’s Compensation placement program that gives independent agents access to multiple admitted and non-admitted markets, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. The program is designed to help you place a broad range of standard commercial risks with streamlined underwriting and competitive options for employers across many industries.
Ideal Accounts and Appetite
This program is a fit for most standard WC class codes. Underwriters will consider businesses with typical payrolls, reasonable loss histories, and common employer exposures. Typical fits include:
- Small to midsize contractors and trade contractors (note higher minimums apply for some contractor accounts)
- Clerical and professional service firms
- Light manufacturing and wholesalers
- Retailers, restaurants, and personal services
- Local trucking exposures (subject to higher minimum premium requirements)
Accounts that generally need additional review or are less likely to fit include large professional employer organizations (PEOs), accounts with catastrophic loss history, or specialty risks with unusual exposures unless negotiated with an underwriting team directly.
Coverage Highlights and Advantages
- Access to several national carriers—helpful when you need capacity or different program structures for difficult submissions.
- Competitive handling for moderately higher mods (see underwriting notes below) so you can keep placement options for clients with a less-than-perfect loss experience.
- Ability to include payroll in multiple states (up to four foreign states allowed up to 20% of payroll) which helps agents writing multistate employers.
- Streamlined eligibility guidelines that make it easier to submit and obtain quick decisions on routine accounts.
Underwriting Notes and Minimum Premiums
Underwriting is driven by class code, loss history, payroll distribution, and state exposure. Please see the program’s baseline eligibility below; these points are included in the program materials and are used by the underwriters when reviewing submissions:
- Accounts in most WC Class Codes are eligible for this program.
- Prospects with experience modifications of up to 1.35 are eligible for this program. In certain states, mod’s can be as high as 1.80.
- Prospects with up to 20% of their payroll in up to 4 foreign states are eligible.
- Prospects with standard, unmodified premium of $5,000 and more are eligible for this program, except for contractors which have a minimum premium of $6,500, ($10,000 in NY) and trucking accounts which have $10,000, minimum premium.
When submitting, include five years of loss runs, current payroll projections by class code, and any certificates or safety program documentation that could improve terms.
Territories and Availability
This program can write business in the following states: AZ, CA, CO, CT, FL, GA, ID, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Availability may vary by carrier and by state regulatory rules; check carrier appetite for each state when placing business.
Why Work With America's Internet Brokers, Inc. on Worker’s Compensation
- Market access to several national carriers in one program, simplifying shopping and tailoring placements to client needs.
- Underwriting flexibility for accounts with moderate mods and limited multistate payroll exposure.
- Practical eligibility thresholds and clearly stated minimums that help you quickly identify candidates for this program.
- Support for agents who need to move accounts efficiently—submit complete loss runs and payroll details to accelerate response.
Example Client Situations
Example 1: You have a local roofing contractor with a projected standard premium of $8,000 and a mod of 1.20. This program can be a practical option, subject to the contractor minimum and loss history review.
Example 2: You represent a regional wholesale distributor with payroll in three states (20% of payroll out of state), standard class codes, and a clean loss record. The ability to include payroll in multiple states makes this program worth submitting.
Frequently Asked Questions
What types of accounts are a good fit for this Worker’s Compensation program?
Most standard commercial class codes are a good fit—clerical, retail, light manufacturing, many contractors, and local trucking (subject to higher minimums). Accounts should generally meet the program’s minimum premium and documentation requirements.
How high a loss modification (MOD) will the program consider?
Typical eligibility is up to a 1.35 experience modification. In certain states the program can consider mods as high as 1.80, depending on carrier appetite and loss details.
Can this program handle multistate payroll?
Yes. The program allows up to four foreign states and up to 20% of payroll in those states. For larger multistate exposures, underwriting review is required.
What documentation speeds placement and binding?
Provide five years of loss runs, current payroll by class code, description of operations, and any safety or return-to-work programs. Complete submissions receive quicker underwriting decisions from the carriers on the panel.
Need help placing an account? Connect with a market specialist.