Overview of the Program From PMC Insurance Group
PMC Insurance Group writes Carpentry Workers Compensation Insurance with programs that can begin as low as $2,000. This wholesale-broker program is designed for agents and brokers placing artisan and carpentry exposures across a broad range of classes. Carriers and terms vary by risk and state, and PMC provides underwriting access and placement support for eligible accounts.
Ideal Accounts and Appetite
- Small to mid-sized carpentry and finish-trade contractors
- Typical classes: Carpentry, Framers, Flooring, Cabinetry, Drywall & Wallboard Installation, Painting and Paper Hanging, Interior Painting (residential & commercial)
- Artisan contractors with at least 1 full-time employee and a minimum payroll of $25,000
- Accounts with elevated experience modification factors (high mods) are considered — underwriting review required
Coverage Highlights and Advantages
- Workers compensation capacity for a wide set of carpentry and interior-trade classes
- Multiple carrier options — PMC works with varying markets to secure competitive terms
- Pay-as-you-go premium payment solutions available to help insureds manage cash flow and audit exposure
- Program suitable for both residential and light commercial interior work
Underwriting Notes and Submission Requirements
Underwriters typically look for clear payroll documentation and recent loss history. Key program qualifiers and restrictions:
- Qualification: minimum of 1 full-time employee and at least $25,000 in payroll
- Starting premium: policies can be written starting at $2,000; final minimum premium varies by carrier and state
- Ineligible risks: work with height exposures over two stories and roofing risks are not accepted
- High experience mods are accepted on a case-by-case basis — provide loss history and explanatory notes
Required submission items:
- Completed ACORD application
- 3–5 years of loss runs
- Experience Mod (Mod) sheet
Example Accounts That Fit This Program
- A cabinetry contractor with $40,000 payroll, primarily performing residential installations and light commercial millwork — lower height exposures, steady loss history.
- An interior finishing crew specializing in drywall and painting for multi-unit residential projects (under two stories) with a recent high mod — underwriting review for acceptance with tailored terms and pay-as-you-go available.
Territories and Availability
Availability: All Available States. This program currently writes accounts in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI. Final placement and admitted/non-admitted options depend on carrier appetite and state rules.
Why Work With PMC Insurance Group on Carpentry Workers Compensation
- Wholesale broker placement expertise across multiple carriers for carpentry and artisan trades
- Flexible solutions for small contractors, including pay-as-you-go and consideration of higher-mod accounts
- Clear submission requirements that speed underwriting decisions when provided in full
- Access to markets that understand construction-aligned exposures and payroll dynamics for interior trades
For more information about this Carpentry Workers Compensation Insurance program and placement options, please visit pmcinsurance.com or submit the required underwriting documentation through your usual wholesale channel.
Frequently Asked Questions
What types of carpentry exposures does PMC accept?
PMC accepts a broad range of interior carpentry and finish-trade classes including carpentry, flooring, framers, cabinetry, drywall & wallboard installation, and painting. Roofing and work over two-story height exposures are not eligible.
What are the minimum qualifications to submit an account?
Accounts generally need at least one full-time employee and a minimum payroll of $25,000. Provide a completed ACORD, 3–5 years of loss runs, and the current Mod sheet for best consideration.
Can accounts with high experience modification factors be placed?
Yes. High-mod accounts are considered on a case-by-case basis. Include loss runs and any risk-control measures taken to improve underwriting outcomes.
Are pay-as-you-go options available?
Yes. PMC offers pay-as-you-go premium payment solutions through participating carriers to help insureds manage cash flow and reduce audit volatility.
Which states and carriers are available?
The program is available in all listed states (see storefront for full list). Carriers vary by state and risk profile; final admitted/non-admitted placement depends on carrier appetite and regulatory requirements.
Need help placing an account? Connect with a market specialist.