Hard to Place Risks

Why This Program Works

• No upfront premium required
• Pay-As-You-Go options to improve client cash flow
• No intrusive year-end audits
• Quick and simple onboarding process
• Residual commissions above industry averages
• Appetite for high-risk classes and high mods
• High deductible, small deductible, and guaranteed cost programs available
• Designed to eliminate the need for State Fund or Pool placements

Ideal Accounts and Target Industries

This program is a strong fit for industries and businesses that have been declined by standard carriers or are currently stuck in the State Fund. AIU is actively seeking:

• Contractors with high mods or complex operations (excluding general contractors)
• Roofing and steel erection companies
• Trucking and logistics operations
• Logging businesses
• Staffing agencies, including temp medical staffing
• Pizza restaurants with delivery (up to 50% of gross receipts)
• Home healthcare providers with at least 3 full-time employees and employee health coverage
• Non-emergency medical transportation providers
• Multi-state accounts with high-risk profiles

Underwriting Requirements

To ensure fast and accurate quoting, please include the following with your submission:

• Completed ACORD 130 application
• Currently valued loss runs (within 90 days of effective date), typically for the past 4–5 years
• Details on any losses over $25,000
• Ex-mod worksheet
• Supplemental application (mandatory for staffing, preferred for all accounts)

Staffing submissions should also include:

• Last 4 quarters of 941s
• List of current contracts
• Detailed account description
• Compiled financials or a balance sheet if no D&B score is available
• Target premium (strongly preferred)

Program Availability

AIU’s Hard to Place Risks program is available in most U.S. states, including but not limited to: CA, FL, TX, NY, IL, GA, PA, and many more. We provide options through a variety of carriers depending on the risk and state. Most placements are on a non-admitted basis.

Why Partner With AIU?

AIU has built a trusted network of retail agency partners across the country. Our success is rooted in the value we place on those relationships and the collaborative way we do business. We respect the role of the producer and reward it with above-average commissions and responsive service. If you’re struggling to place a tough account, we invite you to submit it to our experienced underwriting team.

Creating a Win-Win Relationship with Our Agency Partners

Let us help you turn your hardest-to-place workers’ comp risks into long-term wins for your agency.

Frequently Asked Questions

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