Workers' Compensation Insurance

Workers' Compensation Insurance — Superior Access Insurance Services, Inc.

Superior Access Insurance Services, Inc. offers a wholesale Workers' Compensation program designed for independent agents and brokers seeking flexible placement options for employer exposures. This program provides statutory workers' compensation coverage for bodily injury by accident and occupational disease arising out of employment. As a wholesale broker, Superior Access leverages multiple carrier relationships to place admitted and non-admitted paper across most states, with tailored solutions for many small-to-mid sized businesses.

Ideal Accounts and Appetite

• Small and mid-sized contractors and trade contractors
• Machine shops, light manufacturing and fabrication
• Retail stores and specialty shops
• Automotive services and repair facilities
• Wholesale distributors and warehousing (selected classes)
• Restaurants and food service locations
• Technology firms and professional/service businesses with low manual labor exposure
• Many other low-to-moderate hazard classes

Accounts with reasonable payroll levels, structured payroll reporting, and acceptable loss runs are the best fit. Highly volatile classes, very large payrolls, or accounts with severe or recent loss histories may require special handling or alternate markets.

Coverage Highlights and Advantages

• Statutory workers’ compensation and employers’ liability limits available through admitted or non-admitted markets depending on state and risk.
• Program supports a broad range of classes frequently written by retail agents — contractors, retail, hospitality, automotive, manufacturing and more.
• Wholesale distribution model gives agents access to multiple carrier appetite options from a single point of contact.
• Flexible underwriting that considers payroll, class mix and loss control activities rather than rigid class exclusions.

Underwriting Notes and Minimum Premiums

Underwriting focuses on class mix, payroll accuracy, employee exposure, and loss history. Required submission items commonly include a current payroll split, five years of loss runs (when available), and description of operations. Minimum premium varies by carrier and state — please reference “Minimum Premium: Varies” when preparing submissions. Superior Access can advise on which carriers and minimums are applicable once basic information is provided.

Territories and Availability

Admitted status: Most Available States. This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and admission status will vary by carrier and class — contact Superior Access for current state-by-state capacity.

Why Work With Superior Access on Workers' Compensation

• Wholesale broker specializing in workers’ compensation placements for retail agents and brokers.
• Access to multiple carriers and placement options without needing numerous separate submissions.
• Responsive underwriting intake and underwriting guidance to help you present accounts in the most favorable light.
• Practical approach to common small business classes and transitional risks (e.g., seasonal payroll, part-time staff).

Example Accounts That Fit This Program

• A three-location casual dining restaurant with 30–60 employees and straightforward payroll reporting seeking admitted paper in its home state.
• An independent machine shop with 12 employees, moderate payroll, and a two-year loss history that wants competitive terms and loss control support.

Frequently Asked Questions

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