Worker's Compensation provides medical care and wage replacement for employees injured on the job. In most states employers are required to carry Workers' Compensation coverage; The Herbert H. Landy Insurance Agency, Inc. offers an MGA market designed to help agents place those accounts quickly and with admitted paper where available.
Overview — Worker's Compensation Insurance from The Herbert H. Landy Insurance Agency, Inc.
This program is offered through The Herbert H. Landy Insurance Agency, Inc. as a managing general agency that places Workers' Compensation with A+ rated carriers. The product is tailored to small and mid-size employers and a broad range of professional service firms. The program emphasizes admitted coverage options for eligible classes, simple submission requirements, and the ability to package BOP and Workers' Compensation when appropriate.
Ideal accounts and appetite
- Professional service firms — real estate brokers/agents, accountants, attorneys, IT consultants, architects, and nonprofits
- Small to mid-sized businesses with mixed payroll classes (clerical, sales, professional staff)
- Independent contractors and real estate agents (admitted options in CA and select other states)
- Accounts seeking admitted paper, strong carrier ratings, and the option to bundle BOP with Workers' Compensation
Coverage highlights and advantages
- Coverage placed with A+ rated carriers to support admitted placements
- Available in most states (full state list below)
- Package options available — combine Business Owner and Workers' Compensation policies; see the Business Owner link for details: Business Owner
- Admitted coverage programs targeted to professional service classes (real estate, accounting, legal, IT, architects, nonprofits)
- Simple, one-page application to speed submissions and quoting
- Independent contractor real estate agent coverage available in CA and select other states
Underwriting notes and submission requirements
Submitting with The Herbert H. Landy Insurance Agency, Inc. is straightforward. At a minimum, underwriters will need:
- Total company payroll
- Employee classifications (for example: appraisers, accountants, lawyers, real estate agents, clerical)
- Payroll broken out by class
For larger or more complex risks, the carrier may request additional details such as prior loss runs, description of operations, and details on subcontractor use or vehicle exposures. Use the one-page application to start the quote and follow up with supporting documents as requested.
Territories and availability
This program is available in most states. Current availability includes these jurisdictions:
AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.
Why place this business with The Herbert H. Landy Insurance Agency, Inc.?
- Managing general agency access to admitted, A+ rated carriers for stability and claims handling.
- Underwriting focus on professional firms and low-to-moderate hazard classes where admitted placement is preferred.
- Speed: streamlined one-page application and experienced underwriters who understand agent needs.
- Ability to package business (BOP + Workers' Compensation) for many small business clients.
Example account scenarios
- You have a mid-sized real estate brokerage in California with a mix of employees and independent agents — this program offers independent contractor agent solutions and admitted placements where applicable.
- An accounting firm with 15 employees seeks admitted workers' comp coverage and wants to combine BOP and WC — submit payroll details by class and use the one-page application to begin the quote.
Frequently Asked Questions
What types of accounts are a good fit for this Workers' Compensation program?
Professional service firms, real estate brokerages, small to mid-size employers with clerical and professional employees, and certain independent contractors are primary targets. The program favors lower to moderate hazard classes and businesses seeking admitted paper.
What minimum information do I need to start a submission?
At minimum provide total company payroll, employee class descriptions, and payroll by class. The one-page application is designed to collect this information quickly; additional documentation may be requested for larger or loss-sensitive accounts.
Is coverage available in my state?
The program is available in most states; see the territories list in the storefront for current availability. Admitted options are offered where permitted by the carrier and state rules.
Can I package Workers' Compensation with Business Owner coverage?
Yes. Package policies that combine Business Owner and Workers' Compensation coverage are available through this program when both lines are appropriate for the account.
Need help placing an account? Connect with a market specialist.