U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation program tailored for businesses in the finance and insurance sectors. Through a partnership with an A-rated carrier, this program delivers competitive pricing, flexible payment options, and underwriting flexibility designed to meet the unique needs of your clients in these industries.
Ideal Accounts and Appetite
This program is an excellent fit for a wide range of finance and insurance operations, including accounting firms, financial advisors, insurance agencies, and other related service providers. New ventures are welcome, and there is no maximum experience modification factor, allowing you to place a diverse client base.
Example: You might have a newly established bookkeeping firm with five employees or a multi-location insurance brokerage with varying payroll needs—both are eligible under this program.
Coverage Highlights and Advantages
- Guaranteed cost programs available
- Dividend plans available in Florida
- PEO carve-outs considered with proper documentation
- 24-hour shift exposure eligible (when no other exposures apply)
- Online loss run access for convenient policy management
Underwriting Notes and Minimum Premiums
- Minimum premium of $3,000—no maximum limit
- Group transportation limited to five employees per vehicle
- Accounts with lapse in coverage subject to underwriter review
- Height limitation: no more than 20 feet or two stories above ground
- Underground work limited to six feet
- Insureds exiting PEOs are eligible with required documentation, including loss history and signed contracts
- Not eligible: domestic, aviation, or federally-covered operations; accounts with tax liens or bankruptcy
Payment Plan Options
- UPAY-As-You-Go
- Direct bill
- Monthly self-reporting with a 5% non-working deposit
Territories and Availability
This Workers Compensation program is available in most states, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Note that coverage in California and Oklahoma is limited, incidental, and cannot be the governing state.
The program is offered on an admitted basis in all available states, giving your clients the confidence and protection of regulated, compliant coverage.
Why Work With U.S. Risk Insurance Group, Inc.?
As a leading Managing General Agency (MGA), U.S. Risk brings deep expertise and market access to help agents place complex Workers Compensation risks. With a focus on service, flexibility, and competitive pricing, their finance and insurance program supports both new and established businesses. Whether your client is transitioning out of a PEO or seeking better control over their Workers Comp costs, U.S. Risk provides the tools and underwriting support to help you succeed.