Workers Compensation Insurance Program from Atlantic Risk Specialists, Inc./ARS-Latiff, LLC
At Atlantic Risk Specialists, Inc./ARS-Latiff, LLC, we are not just another wholesale broker—we are true specialists in Workers Compensation. With strong roots in underwriting, claims handling, and loss prevention, our team brings decades of experience to help agents and brokers place complex or hard-to-place workers compensation accounts. We also have in-depth capabilities for USL&H (United States Longshore and Harbor Workers) exposures.
We work closely with both our carrier partners and our retail broker clients to navigate challenging submissions and provide tailored solutions. Whether you have a straightforward manufacturing account or a high-mod construction client with prior losses, our team is ready to help you find the right market and coverage structure.
Ideal Accounts and Appetite
Our program is designed to accommodate a broad range of class codes across multiple industries. Target classes include, but are not limited to:
- Construction and contracting (including higher-risk trades)
- Manufacturing and light industrial operations
- Transportation and logistics
- Healthcare and home health services
- Marine-related risks requiring USL&H coverage
If you have a client with multistate operations, elevated experience mods, or prior claims activity, we can often assist where standard markets may decline.
Coverage Highlights and Advantages
- Access to a wide range of carriers—both admitted and non-admitted depending on the state
- Specialized solutions for tough-to-place accounts and high-risk industries
- Dedicated underwriting support and responsive service
- Availability of USL&H and other specialty coverages
- Flexible options for new ventures and distressed business
Underwriting Notes and Minimum Premiums
We can place workers compensation coverage with premiums ranging from $5,000 to over $1,000,000. Our underwriters evaluate each account on its own merits, taking into account loss history, safety practices, and risk management programs. We welcome challenging accounts and are happy to consult on submission strategy.
Territories and Availability
This program is available in all U.S. states and Washington, D.C., including but not limited to CA, FL, NY, TX, NJ, and PA. With access to both admitted and non-admitted markets, we can tailor solutions based on your client's state and risk profile.
Why Work With Atlantic Risk Specialists, Inc./ARS-Latiff, LLC?
As a Managing General Agency and Excess & Surplus Lines Broker, we bring a unique blend of technical knowledge and market access. Our deep understanding of workers compensation risks, coupled with strong carrier relationships, allows us to deliver creative solutions for your most challenging accounts. Whether you're working on a small artisan contractor or a large multi-state employer, we’re here to support your success.
To explore our full range of workers compensation capabilities, visit our company profile or see more about this program.