Workers' Compensation - High Risk Class Codes

Some class codes drive carriers to strict limitations—or outright refusal. Worksperity empowers agents to navigate these ropes, unlocking access to niche markets willing to underwrite inherently risky exposures.

• Roofing, Demolition, Scaffolding
• Metal Fabricators, Heavy Machinery Operations
• Meatpacking & Food Processing
• Hazardous Waste Handling & Recycling
• Outdoor Maintenance, Tree Trimming, Agricultural Work

• High severity of injury incidents
• Varied exposures within single businesses
• Jurisdiction-driven regulatory demands
• Misclassification risk and premium miscalculations

• Deep focus on nuanced class code risks
• Sophisticated risk grouping to streamline underwriting
• Access to carriers with appetite for high-exposure classes
• Collaborative quoting—let's show them the real risk picture

• Mixed-code operations like multi-trade contractors
• Businesses accurately tracking and separating exposures
• Firms open to third-party loss control assessments
• Classes typically exceeding standard market thresholds

• Be precise: list each class code and its operations.
• Demonstrate exposure separation—daily/week-by-week ops clarity.
• Include safety documentation and PPE protocols by task/class.
• Emphasize any previous engineering or ergonomic recommendations applied.