Workers' Compensation - Rough Loss History

Reclaim Solutions for Clients with Rough Loss History

Insurance agents—placing Workers’ Compensation for businesses with poor loss history doesn’t have to be a dead end. Worksperity offers powerful access to specialty WC markets designed to help agents secure coverage for even the most complicated loss histories.

Industries Struggling with Loss History

• Construction and Remodeling Firms
• Trucking & Logistics Operators
• Industrial Manufacturing Plants
• Food Processing & Packaging Facilities
• Service Providers like Janitorial or Landscaping Companies

What Makes These Accounts Hard to Place

• Elevated claim frequency and high-severity incidents
• Long loss runs with repeat, complex claims
• Experience Modifier Rates (EMRs) over industry average
• Standard markets outright declining or charging punitive rates

Why Agents Turn to Worksperity

• Proprietary access to markets open to adverse loss runs
• Structured proposals showcasing risk reduction efforts
• Loss control consults and safety integration in underwriting
• Transparent pricing and renewal strategies

Ideal Risks to Present

• Companies with 3+ years of documented loss history
• Industries with clear safety improvement efforts underway
• Businesses able to present partial loss prevention documentation
• Operations undergoing mod improvement strategies

Placement Tips for Agents

• Present thorough loss run documentation—don’t gloss over negative items.
• Emphasize any implemented safety upgrades, audits, or loss control initiatives.
• Preemptively address mod concerns with actual improvement plans.
• Showcase safety training, OSHA compliance, or ergonomic interventions.