Monarch Partners Group LLC (MPG) has been delivering innovative workers’ compensation solutions to agents and brokers nationwide for over 25 years. Specializing in high-risk and hard-to-place industries, MPG offers tailored programs that help agents secure competitive coverage for challenging accounts. One of MPG’s flagship offerings is its Nursing Home Workers' Compensation Insurance program—designed specifically for the long-term care sector, including skilled nursing and assisted living facilities.
Ideal Accounts and Appetite
This program is specifically built for nursing homes and related care facilities that struggle to find viable workers’ compensation options due to high-risk exposures or adverse underwriting characteristics. MPG targets accounts with:
- High cost class codes specific to nursing home operations
- High debit X-mods or loss-sensitive history
- Premiums of $50,000 or more (minimum of $100,000 for POWC program)
- Coverage lapses or midterm cancellations
- New ventures or expanding operations
If you have a client with a distressed mod, a history of claims, or prior PEO involvement, MPG’s solutions may be the right fit.
Coverage Highlights and Advantages
MPG offers multiple structures, including their popular Payroll Opt-Out Work Comp Program (POWC). This premium-only option allows qualifying risks to remain independent in their payroll and tax operations while leveraging the purchasing power and favorable X-mod of a master policy. Key benefits include:
- Pay-as-you-go premium structure for improved cash flow
- No year-end premium audits
- Access to “A” rated carriers
- HR, payroll processing, and payroll funding options available
- Guaranteed cost and deductible options
- Broad class code acceptance and multistate capabilities
Larger risks can often process payroll internally and issue employee checks using their own bank accounts, with minimal administrative burden.
Underwriting Notes and Minimum Premiums
The POWC program requires a minimum premium of $100,000. Other MPG programs may accept accounts starting at $50,000 in premium. Submissions should include:
- ACORD 130 application
- Three years of currently valued loss runs
- Current policy declarations and rating pages
- Experience modification worksheet
- Supporting details to help assess the risk
Territories and Availability
MPG’s Nursing Home Workers’ Compensation Insurance program is available nationwide, including all 50 states and Washington, D.C. Whether your client operates in a single state or across multiple jurisdictions, MPG can provide a consistent and scalable solution.
Why Work With Monarch Partners Group
MPG has deep expertise in placing complex and distressed workers’ comp risks. With in-house underwriting capabilities, fast turnaround times, and flexible program structures, MPG empowers agents to deliver tailored solutions to difficult-to-place accounts. The MPG team understands the unique challenges of the nursing home industry and brings decades of experience to help brokers win and retain business in this demanding sector.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Nursing homes and long-term care facilities with premiums over $50,000, high X-mods, or challenging claims histories are ideal candidates.
Can my client still use their own payroll system?
Yes. Through MPG’s Payroll Opt-Out Work Comp Program (POWC), larger risks can manage their own payroll and tax processes while participating in the master WC policy structure.
Is this program available in all states?
Yes, MPG offers this workers’ compensation program in all 50 states and Washington, D.C.
What documents are needed to get a quote?
Submit an ACORD 130, three years of loss runs, current policy details, X-mod sheet, and any other helpful information about the risk.
Does the program accept new ventures or accounts with prior coverage lapses?
Yes. MPG is open to new ventures and accounts with midterm cancellations or prior coverage gaps.
Need help placing an account? Connect with a market specialist.