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...ers' Compensation Solution for Agricultural Businesses Utah Business Insuran...ts multi-location and multi-state agricultural businesses provided the operati...

...ts and brokers with clients in agricultural industries. As a Western-based, fa...farms. Both traditional and niche agricultural risks are considered. Is this p...

...ance County Fairs State Fairs Agricultural Shows Exhibitions Special Events T...ideal for county and state fairs, agricultural shows, exhibitions, livestock e...

...ance County Fairs State Fairs Agricultural Shows Exhibitions Special Events T...ideal for county and state fairs, agricultural shows, exhibitions, livestock e...

...ion Risks • Dry Cleaners • Agricultural Environmental Risks We also offe...service firms (engineers, lawyers, consultants), real estate professionals (ap...

...ls, marinas, industrial sites, agricultural operations, and commercial facilit...a strong market for gas stations, agricultural operations, industrial faciliti...

Your Workers Compensation Solution for Construction Risks Utah Business Insurance Company (UBIC) has developed a dedicated Workers Compensation program tailored for construction-related exposures. This construction-focused solution is designed to meet the unique needs of contractors and trades professionals by offering flexible underwriting and specialized risk management tools. Overview of the Program UBIC's Construction Workers Compensation Insurance program is built to handle the challenges contractors face daily. Whether you're placing a new venture with proven industry experience or a growing contractor expanding across multiple states, this program is designed to deliver responsive underwriting and tailored risk solutions. Ideal Accounts and Appetite This program targets most NCCI construction class codes and is ideal for accounts with a minimum of three employees, not including owners or officers. Roofing contractors are considered, although they require a higher minimum premium. Accounts transitioning from PEO or employee leasing arrangements are also eligible. Example accounts that fit well include: A drywall contractor with five field employees operating in Utah and Nevada A start-up electrical contractor in Colorado with a founder who has prior experience in the industry Coverage Highlights and Advantages Individually underwritten accounts based on risk characteristics—not class-based underwriting Admitted in all available states Access to Companion Property and Casualty, Companion Commercial Insurance, and UBIC Monthly self-reporting and flexible payment plans available Risk Management Tools Custom safety manuals and meeting logs Checklists and safety tips tailored to construction environments Quarterly to annual risk management assessments, depending on account needs Access to phone, in-person, or online safety consultations Underwriting Guidelines and Premiums Most NCCI construction codes are eligible Accounts with experience modification factors up to 1.50 accepted (higher with referral) Minimum premium starts at $2,500 ($5,000 for roofing risks) New ventures accepted with verifiable experience in the trade Territories and Availability This program is available in Arizona, Colorado, Idaho, New Mexico, Nevada, Oregon, and Utah. Multi-location and multi-state operations are eligible. Why Work With UBIC? UBIC brings deep expertise in construction-related workers compensation risks. As a carrier offering admitted solutions across the Western U.S., UBIC provides agents and brokers with competitive underwriting, responsive service, and risk management tools that help your construction clients operate more safely and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Most construction-related businesses with at least three employees beyond the owners are eligible. This includes general contractors, electricians, plumbing companies, and roofing contractors (with higher minimum premium). Is the program available for new ventures?Yes, new ventures are eligible if the owner has prior experience in the same construction trade or industry. Are multi-state or multi-location contractors eligible?Yes, the program supports contractors operating across multiple states or with multiple business locations. Can accounts coming out of a PEO or leasing arrangement qualify?Yes, accounts transitioning from a PEO or employee leasing model are eligible for coverage under this program. What risk management support is included?UBIC provides safety manuals, meeting logs, safety tips, regular risk assessments, and consultation services to help reduce workplace injuries and improve compliance. Need help placing an account? Connect with a market specialist.

...alty appraisers (e.g., equine, agricultural, machinery, collectibles) Whe...praisers such as those focused on agricultural or equine assets. Both standard...

Insential welcomes your insured's Commercial Auto Insurance business. We provide access to competitive markets for fleet operations with light, medium, and heavy vehicles operating within local and intermediate radius exposures. Whether you're working with a single unit or a large fleet, we offer flexible liability limits ranging from $300,000 to $1,000,000 Combined Single Limit (CSL) for qualified accounts. Ideal Accounts and Appetite Our program is designed for a broad range of commercial auto risks, with a focus on businesses that own and operate fleets as part of their core operations. We are particularly competitive on accounts with lower percentages of heavy or extra-heavy units. Target Classes Include: Marine Contractors General, Specialty, and Trade Contractors Life Sciences Companies Manufacturing and Distribution Operations Engineering Firms Service and Consulting Companies If you're working with a regional HVAC contractor operating a fleet of 15 light/medium duty trucks, or a manufacturing company with a mix of delivery vans and box trucks, this program could provide the tailored coverage and limits they need. Coverage Highlights and Advantages Available Coverages: Commercial Auto Liability Commercial Auto Physical Damage Competitive Umbrella & Excess for Truckers and Large Fleet Exposures Workers Compensation for Transportation Classes Transportation Pollution We provide a comprehensive package of coverages to help your clients manage their auto-related exposures, including options for environmental liability and excess limits for larger fleets. Underwriting Notes and Submission Requirements To expedite underwriting, please provide the following: Completed ACORD application with FEIN, vehicle usage details, and radius of operations Five years of currently valued loss runs Current driver list, including MVRs if available Operations guidelines, safety manuals, and any required filings **Please note: Our carrier partners currently require a low percentage of heavy or extra-heavy units. Territories and Market Access Insential offers this Commercial Auto Insurance program on a non-admitted basis through various markets, depending on the risk profile. We are able to write business in most states, including AL, AZ, CA, FL, GA, IL, NY, TX, WA, and many others. Why Work With Insential As an experienced Excess & Surplus Lines Broker, Insential is committed to providing expert guidance, aggressive market access, and excellent service to help you place your transportation-related risks. We understand the unique exposures of commercial auto clients and have the tools to help you deliver smart solutions for both small fleets and more complex operations. INSENTIAL – Committed to earning your business through expertise, aggressive marketing & excellent service. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto Insurance program?We are a strong market for contractors, manufacturers, service companies, and other fleet-based operations with light to medium vehicles operating within a local or intermediate radius. Do you offer coverage for heavy trucks or long-haul operations?We can consider accounts with some heavy units, but our appetite favors risks with a low percentage of heavy or extra-heavy vehicles. What limits of liability are available?We offer liability limits ranging from $300,000 to $1,000,000 CSL for qualified risks, with excess and umbrella options available for larger fleets. Is Workers Compensation available as part of this program?Yes, Workers Compensation is available for transportation-related classes as part of our broader offerings. In which states can I write business through this program?We can write Commercial Auto business in most U.S. states, including CA, TX, FL, IL, NY, and many others. Need help placing an account? Connect with a market specialist.

No matter where your client is located, Phoenix Risk Management offers a flexible and competitive stand-alone Workers' Compensation Insurance program designed to help you place even the most challenging risks. We provide independent agents and brokers with access to a wide array of Workers’ Compensation markets and coverage options through multiple A-rated carriers. Whether you’re working with a new venture, a high-mod account, or a business with lapses in coverage, we can help you find the right fit for your client’s needs. We offer a variety of plan options, including: Guaranteed Cost Plans Deductible and Loss Sensitive Plans Self-Insurance for Groups and Individuals Captive Programs Minimum premiums starting at $500.00 Solutions for special situations: - Mid-term cancellations - Lapsed coverage - New ventures Ideal Accounts and Appetite Phoenix Risk Management works with a broad range of Workers’ Compensation classifications. Through our strong carrier partnerships, we can help you place standard, preferred, and even harder-to-place business. Some ideal accounts may include contractors, healthcare providers, hospitality, light manufacturing, transportation, and retail operations. You might have a client who recently started a business and is struggling to find a market due to being a new venture—or perhaps an established operation that had a lapse in coverage. Our flexible solutions are built to address these real-world challenges. Coverage Highlights and Advantages Access to hundreds of WC class codes Multiple A-rated carrier options Wide range of plan structures to meet client needs Solutions for complex or distressed risks Fast, responsive underwriting Underwriting Notes and Submission Requirements To get started, please submit the following: Signed ACORD application Supplemental application Loss runs (current year + previous 4 years preferred), valued within 90 days of the effective date Aggregate payroll history to match loss years Minimum premiums start at $500.00, but may vary depending on the risk and state. Territories and Availability Our Workers’ Compensation Insurance program is available in all states, including DC. We can assist you with admitted and non-admitted solutions based on the specific needs of your client’s location and business operations. Why Work With Phoenix Risk Management? Phoenix Risk Management gives independent agents access to an unmatched variety of Workers’ Compensation markets. We are experienced in handling unique and complex risks and pride ourselves on responsive service, flexible underwriting, and knowledgeable support. With our wide carrier access and national availability, we are your one-stop shop for Workers’ Compensation placements—whether standard or hard-to-place. Send submissions to: [email protected] Contact us today to learn how we can help you secure the right Workers’ Compensation solution for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We can help place a wide range of accounts, including contractors, healthcare, retail, light manufacturing, and transportation. We also consider new ventures and businesses with lapsed coverage. Are options available for clients with high experience mods or loss histories?Yes, we offer loss-sensitive plans and have access to carriers willing to consider higher-mod or distressed risks. What is the minimum premium for this program?Minimum premiums start at $500.00, but may vary based on class code, state, and risk factors. Do you offer coverage in all states?Yes, our Workers' Compensation Insurance program is available in all 50 states plus Washington, DC. What documents are needed to submit a risk?We require a signed ACORD application, completed supplemental application, current loss runs valued within 90 days, and payroll history matching the loss years. Need help placing an account? Connect with a market specialist.