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Insential, Inc.
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Insential, Inc.
Contact Us
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Contractors Workers Compensation Insurance

Insential, Inc. offers agents and brokers access to strong markets for Contractors Workers Compensation Insurance. With our deep industry expertise and broad carrier relationships, we can help you place tough-to-insure contractor classes and secure competitive terms for your clients.
 

Ideal Contractor Classes

We specialize in Workers Compensation for a wide range of artisan and general contractors. Our program is particularly well-suited for accounts in the following trades:
  • Electricians
  • Plumbers
  • Carpentry / Framing
  • Landscaping / Tree Pruning
  • Drywall Installers
  • Iron / Steel Workers
  • Glaziers
  • Excavators
  • Street & Road Construction
  • Crane Operators
  • Painters
  • Welders
  • Sheet Metal Workers
  • Stone / Tile Installers
  • And more

Why Place Workers Comp Through Insential?

As a trusted Excess & Surplus Lines Broker, Insential provides access to markets that many retail agents cannot reach directly. We work with a wide range of carriers—both admitted and non-admitted—so we can match your contractor clients with the right solution based on class, size, and claims history.

Whether your client is a roofer with prior losses, a new plumbing contractor with limited experience, or an established framing company looking for better rates, we can help you find a fit. We understand the challenges of placing Workers Comp for high-hazard and hard-to-place construction risks.

Submission Requirements

  • Fully completed ACORD application, including FEIN and premium/payroll history
  • Five years of currently valued loss runs
  • Experience Mod worksheet
  • Three years of continuous prior coverage required for all classes

Territories and Market Access

Our Contractors Workers Compensation program is available in all 50 states and Washington, DC. We have access to a wide variety of markets, and admitted status varies by carrier and class. Minimum premiums also vary depending on the carrier and risk profile.

Get in Touch

Call one of our brokers today at 888-571-6160 to discuss your Workers’ Compensation submissions. Note: Minimum premiums vary by carrier and class of business.

Frequently Asked Questions

What types of contractor accounts are a good fit for this program?

This program works well for artisan contractors such as electricians, plumbers, drywall installers, roofers, and landscapers. We can also consider higher-risk trades like welders, steel workers, and crane operators.

Is prior coverage required for submission?

Yes, we require a minimum of three years of continuous prior Workers Compensation coverage for all contractor classes.

What states is this program available in?

This program is available in all 50 states and Washington, DC.

Are both admitted and non-admitted markets available?

Yes, we have access to both admitted and non-admitted markets depending on the class of business and carrier appetite.

What documents are required to submit a risk?

You’ll need a completed ACORD application, five years of loss runs, and an Experience Mod worksheet. Premium and payroll history should also be included.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Excess & Surplus Lines Broker
  • Admitted:
    All Available Markets
  • Carriers:
  • Carrier Ratings:
    A or Better
  • Commission:
    Varies
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

Four Westbrook Corporate Center, 500
Westchester, IL 60154
888-571-6160
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AGENCY LICENSING

Licensed in All 50 States
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