Ideal Accounts and Appetite
Our Workers Compensation Insurance program is designed for a broad mix of industries, with a focus on clients that demonstrate favorable loss histories. We support both low-premium and high-premium accounts, from startups to established operations.
Target Classes Include:
- Small Artisan Contractors – Carpentry, Plumbing, Electrical (Minimum Premium: $2,500)
- Construction – General contractors and specialty trades (Minimum Premium: $10,000)
- Short Haul Trucking – Local and regional haulers (Minimum Premium: $2,500)
- Healthcare Services – Home Healthcare, Assisted Living, Hospice Care (Starting at $2,500)
- Nursing Homes and Social Services – (Minimum Premium: $75,000 and $5,000 respectively)
- Staffing Firms – General and Medical Temp Staffing (Minimum Premiums: $75,000 and $7,500)
- Non-Emergency Medical Transportation – (Minimum Premium: $7,500)
- Energy Sector Risks – Includes additional lines of coverage (Minimum Premium: $25,000)
We also offer flexible solutions for middle market accounts over $100,000 in premium, particularly in Construction, Healthcare, Hospitality, and Manufacturing.
Coverage Highlights and Advantages
- Access to a wide network of national and regional carriers
- Guaranteed cost, retrospective rating, and large deductible options
- PMC PayGo – a "Pay As You Go" premium payment plan for eligible accounts
- Dedicated new business team to assist with submissions and placement
You might have a client who operates a mid-sized home healthcare agency looking for a flexible workers’ comp solution with competitive pricing and risk management options. Or perhaps a small electrical contractor expanding into new territories. These are exactly the types of accounts we’re prepared to help you place.
Underwriting Notes and Minimum Premiums
Minimum premiums start at $2,000 for many small business classes. Larger or more complex operations may require higher minimums based on class and exposure. Accounts should demonstrate solid loss history and risk controls.
Ineligible Classes or Exposures:
- Long Haul Trucking
- Roofing Operations
- Ambulance Services and Taxi Operations
- 24-Hour Exposures
- High Frequency or Severity Risk Profiles
Program eligibility and appetite vary by state.
Territories and Availability
This program is available to agents in all 50 states, with markets available for both admitted and non-admitted placements, depending on the risk and state regulations. We maintain broad national reach while offering localized expertise.
Why Work With PMC Insurance Group?
Over 3,000 agents trust PMC Insurance Group as their go-to wholesale broker for workers' compensation placements. Our deep carrier relationships and responsive service model help you secure the most competitive and flexible options for your clients. We understand the nuances of different industries, making us a valuable partner in placing both standard and hard-to-place risks.
To explore our complete program offerings, please visit pmcinsurance.com.
Frequently Asked Questions
What types of accounts are a good fit for this Workers Compensation program?
We target small to mid-sized businesses with favorable loss experience in industries like construction, healthcare, transportation (short haul), staffing, and energy.
What is the minimum premium for eligible accounts?
Minimum premiums start at $2,000 for many small business classes. Larger or specialized risks may have higher minimums depending on class and exposure.
Are there any ineligible classes?
Yes, we do not place accounts involving long haul trucking, roofing, ambulance or taxi services, 24-hour exposures, or high-frequency/severity risks.
Is this program available nationwide?
Yes, PMC offers workers' compensation markets in all 50 states, though program eligibility may vary by state and class.
What payment options are available?
PMC offers flexible payment solutions including PMC PayGo, a "Pay As You Go" premium payment option for eligible risks.
Need help placing an account? Connect with a market specialist.