Ideal Accounts and Appetite
UPA has a strong appetite for industries that are traditionally difficult to insure due to their operational risks or claims history. This program is designed for:
- Tree trimming services (minimum premium $25,000)
- Aviation-related businesses (minimum premium $3,000)
- Cable and utility contractors
- Municipalities and city governments (large deductible options available)
- Multi-state agricultural operations
- Oil and gas industry businesses
- Trucking and transportation accounts
UPA’s heterogeneous workers’ comp unit is also equipped to handle risk placements for construction companies, schools, churches, and multinational corporations with complex labor exposures.
Coverage Highlights and Advantages
With minimum premiums starting as low as $3,000 and no upper premium ceiling, UPA offers scalable solutions for almost any size account. A major benefit is their UPAY-As-You-Go payroll solution, which allows clients to pay premiums based on actual payroll—improving cash flow and reducing surprises at audit time.
UPA's team of experienced underwriters brings deep industry knowledge, allowing them to evaluate and price risks that many standard carriers decline. They work closely with agents to tailor coverage based on the unique needs of each client.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class of business. For example, tree trimming accounts start at $25,000, while aviation-related businesses may qualify with as little as $3,000. Large deductible options may be available for public entities or larger risks upon request. Each submission is reviewed by a dedicated underwriting team that understands the nuances of harder-to-place industries.
Territories and Availability
This program is available in all 50 states and Washington, D.C., including challenging regulatory environments like California, New York, and Florida. UPA works with a variety of carriers to provide admitted or non-admitted solutions, depending on what’s best for the insured and available in the state.
Why Work With U.S. Risk and UPA?
As a Managing General Agency with nationwide reach, U.S. Risk Insurance Group, Inc. and its subsidiary UPA bring unmatched expertise in hard-to-place workers’ compensation coverage. You get access to a specialized team that understands risk complexity, delivers fast turnaround, and partners with you to find solutions your clients can count on.
Whether you have a utility contractor with expanding operations or a trucking company with multi-state drivers, UPA offers the flexibility and underwriting knowledge you need to close the deal.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for high-hazard or hard-to-place industries such as tree trimming, aviation, trucking, agriculture, utilities, and municipalities.
What is the minimum premium required?
Minimum premiums start at $3,000 for certain classes like aviation, with higher thresholds such as $25,000 for tree trimming operations.
Is this program available in all states?
Yes, the program is available in all 50 states and Washington, D.C., including states with more complex workers’ comp environments.
Does UPA offer pay-as-you-go options?
Yes, UPA offers a UPAY-As-You-Go solution that allows premiums to be calculated based on actual payroll, improving cash flow for your clients.
Can this program handle multi-state or national businesses?
Yes, UPA is equipped to handle multi-state risks and large national accounts, including those with diverse operations and complex exposures.
Need help placing an account? Connect with a market specialist.