U.S. Risk Insurance Group, Inc. offers a specialized Workers' Compensation program for manufacturing businesses through its UPA division. This program is backed by an A-rated carrier and delivers a competitive solution for independent agents seeking solid placement options for manufacturing clients. Whether you're working with a new venture or an established operation, this program is designed to be flexible, responsive, and easy to work with.
Ideal Accounts and Appetite
This program targets a wide range of manufacturing operations, including light to medium manufacturing risks. New ventures are eligible, and businesses transitioning out of Professional Employer Organizations (PEOs) are welcomed, including those seeking PEO carve-outs. You might have a client with a small metal fabrication shop or a regional food packaging facility—both could be a strong fit for this market.
Insureds must meet basic eligibility such as a $3,000 minimum premium, and operations involving more than five employees per vehicle or high-risk exposures (such as domestic, aviation, or federal work) are ineligible. Businesses with 24-hour shift work exposure are eligible if no other high-risk exposures are involved.
Coverage Highlights and Advantages
- Guaranteed cost and dividend plan options (FL only)
- Online loss runs for easy claims tracking
- UPAY-As-You-Go payroll reporting for cash flow flexibility
- Direct bill and monthly self-reporting available with a 5% non-working deposit
Height and underground restrictions apply (no more than 20 feet or 2 stories above ground; no more than 6 feet below ground). There is no cap on experience mods, expanding eligibility for businesses with complex histories.
Underwriting Notes
- Minimum premium: $3,000 (no maximum)
- New ventures are eligible
- Group transportation is limited to no more than five employees per vehicle
- Accounts with a lapse in coverage must be referred to underwriting
- PEO carve-outs require loss history, signed PEO/client contract and amendment, and labor endorsement
- Height and depth limitations apply
- Tax liens and bankruptcies are ineligible
State Availability
This program is available in most states nationwide, including AL, AZ, CA (limited), CO, FL, GA, IL, MI, NY, NC, PA, TX, and many others. Note that coverage in California and Oklahoma is limited, incidental, and cannot be the governing state.
Why Work With U.S. Risk Insurance Group?
As a Managing General Agency (MGA) with years of industry expertise, U.S. Risk offers a streamlined placement process, responsive underwriting, and access to a highly rated carrier. The UPA division specializes in workers' compensation programs and understands the nuances of the manufacturing sector. Agents working with U.S. Risk benefit from flexible payment structures, a broad underwriting appetite, and tools that make account management easier.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Light to medium manufacturing operations, including new ventures and PEO carve-outs, are ideal candidates for this program.
Is this program available for businesses with 24-hour operations?
Yes, businesses with 24-hour shift work exposure are eligible, provided there are no additional high-risk exposures.
Can I submit an account with a lapse in coverage?
Yes, but any lapse in coverage must be referred to underwriting for review.
What are the payment plan options?
Available plans include UPAY-As-You-Go, direct billing, and monthly self-reporting with a 5% non-working deposit.
Are PEO carve-outs allowed under this program?
Yes, PEO carve-outs are accepted with the required documentation, including loss history and a signed client agreement.
Need help placing an account? Connect with a market specialist.