CoEfficient Underwriters offers a focused Human Services Insurance Program built for agents and brokers placing large workers’ compensation accounts in the human and healthcare services sector. Backed by an "A" rated AM Best carrier, the program combines reliable coverage with strong financial security and a specialized underwriting approach tailored to complex human services operations.
Ideal Accounts and Appetite
This program is designed for larger human services organizations with material workers’ compensation exposure. It is best suited for accounts with annual premiums between $100,000 and $2,000,000. Target classes include:
- Nursing Homes
- Assisted Living Facilities
- Hospitals and Surgery Centers
The program excludes or limits certain classes. Examples of restricted or excluded exposure include:
- Home Health (must be under 20% of the total exposure)
- Halfway Houses
- Asylum/sanitarium exposure
- In-patient adult drug & alcohol rehabilitation facilities
Example: you may have a multi-location assisted living group with 200+ employees seeking a tailored workers’ compensation solution and an opportunity for profit sharing—this program is designed to meet that type of need.
Coverage Highlights and Advantages
- Workers’ compensation placed with an "A" rated AM Best carrier
- Unbundled, customizable loss control services delivered by Brentwood Services
- Individual account underwriting to match each client’s operational profile
- Top-performing insureds may qualify for profit sharing up to 50% of premium
- Premium + 25% profit share contribution structure with financing available for the full 125%
Underwriting Notes and Minimum Premiums
Accounts must meet the program minimum premium of $100,000. Underwriting focuses on organizations with well-managed operations and a commitment to safety and loss control. Each submission receives individual review so the team can be flexible when appropriate and structure terms around specific risk characteristics.
Territories and Availability
This program is available in most U.S. states, including CA, TX, FL, NY, IL, PA, and GA. Coverage is offered in 48 states plus Washington, D.C.; however, availability can vary by class and jurisdiction, so confirm state eligibility on each submission.
Why Work With CoEfficient Underwriters
As a focused program administrator, CoEfficient Underwriters brings sector-specific underwriting expertise for human services and healthcare operations. Brokers gain access to dedicated loss control, individualized pricing, and profit-sharing structures that reward strong risk management. The team’s hands-on approach and carrier relationships make them a practical option for placing challenging workers’ compensation risks in this niche.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program fits larger human services organizations—nursing homes, assisted living facilities, and hospitals—with workers’ compensation premiums between $100,000 and $2,000,000.
Are any classes excluded from coverage?
Yes. Excluded or limited classes include halfway houses, asylum/sanitarium exposures, in-patient adult drug & alcohol rehabilitation, and home health operations that exceed 20% of total exposure.
What is the minimum premium requirement?
The minimum workers’ compensation premium to qualify for the program is $100,000.
Can my client finance the premium and profit share contribution?
Yes. Premium financing is available for the full 125% amount, which includes the premium plus the 25% profit share contribution.
Where is this program available?
The program operates in 48 states plus Washington, D.C., including major markets such as CA, TX, FL, NY, and IL. State availability can vary by class.
Need help placing an account? Connect with a market specialist.