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An injury on the job can be one of the most costly liabilities for your client’s business. Medical bills, rehabilitation, permanent disability and fatal claims can create significant financial and operational strain. Keating offers tailored Workers' Compensation placement solutions to help you protect your clients, manage exposures, and keep businesses running after a loss. Program Highlights • Fast turnaround on quotes and submissions • Premiums starting at $2,500 and scaling to large, risk-managed operations • Appetite for startup operations • Multi-state capabilities • High experience mod factors accepted • In-house authority with several top-rated carriers • Direct bill options, including pay-as-you-go • Competitive pricing and agent commissions Overview — Keating's Workers' Compensation Program Keating is a wholesale broker with deep Workers' Compensation expertise and broad carrier access. We combine underwriting experience, streamlined submission workflows, and in-house authority to place accounts across a wide range of industries and risk profiles. Our team focuses on responsive service so you can move business quickly and give your clients reliable coverage and flexible billing options. Ideal Accounts and Target Classes We handle hundreds of class codes and a variety of account sizes — from single-location small businesses to multi-state operations with complex exposures. Typical target classes include: • Artisan contractors • Auto service & towing • Bus companies • Cell tower construction • Drywall contractors • Grocery and retail stores • Home health agencies & VNAs • Hotels and motels • Long and short haul trucking • Manufacturing • Non-emergency medical transportation • Remodeling contractors • Restaurants (single location to chains) • Social services • And many more We also operate exclusive specialty programs for social services, home health / visiting nurse associations, and medical temporary staffing. Example fits: - You might have a growing regional contractor with a higher experience modification factor and multi-state payroll — Keating can help place the account and arrange pay-as-you-go billing. - Or a startup home health agency needing admitted coverage and competitive pricing — our specialty programs are designed for that appetite. Coverage Highlights and Advantages - In-house authority with multiple top-rated carriers for flexible placement options. - Admitted and non-admitted solutions depending on state and risk characteristics. - Direct-bill and pay-as-you-go billing to reduce audit surprises and help clients manage cash flow. - Ability to consider higher experience mod factors and more complex loss histories when the operations and controls justify placement. Underwriting Notes & Submission Requirements To evaluate risks quickly, include the following with submissions: • Completed ACORD 130 application • Experience Modification Worksheet • 3–5 years of currently valued loss runs • Detailed description of operations and payroll breakdowns Minimum premiums typically start around $2,500, but final pricing depends on class codes, state, payroll, and underwriting details. Territories and Availability Keating’s Workers' Compensation program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options where appropriate for the risk and state requirements. Why Work With Keating? As a wholesale broker, Keating brings: • Dedicated underwriting expertise and quick response times • Broad carrier relationships and in-house authority to place difficult or specialized risks • Flexible billing and competitive terms to help you sell and retain business • Practical guidance on structure, endorsements, and loss-control strategies Our team acts as an extension of your brokerage — helping you find the right market, structure terms, and move submissions efficiently from quote to bind. Contact Keating today—your trusted partner in Workers' Compensation insurance placement. Frequently Asked Questions What types of accounts are a good fit for Keating’s Workers' Compensation program?Keating is a strong market for artisan contractors, healthcare providers, social services, trucking, manufacturing, retail, and many other classes — including startups and higher-mod operations that need flexible placement options. Is this program available in all states?Yes. Our Workers' Compensation program is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the state and risk. Do you accept high experience modification factors?Yes. We can consider accounts with higher experience modification factors when the overall operations, controls, and exposure profile support placement. What is the minimum premium for this program?Minimum premiums generally start around $2,500, but final minimums depend on class code, state, payroll, and underwriting factors. What carriers does Keating work with?We have in-house authority with multiple carriers and strong wholesale relationships, giving us flexibility to find the right fit across admitted and non-admitted markets. Need help placing an account? Connect with a market specialist.

Workers’ compensation can be a major hurdle for small business owners. Many states require it, but cost and administrative complexity often put coverage out of reach—especially for sole proprietors, independent contractors, and micro-businesses with minimal payroll. Easy Small Business Workers’ Compensation from SolePro SolePro helps agents and brokers place affordable workers’ compensation for micro and small businesses that struggle to find traditional options. The program is built for fast placement: you can quote, sign, bind, and pay through SolePro’s online platform. Whether your client only needs a certificate of insurance to win a contract or needs a tailored policy for a small payroll, SolePro’s options reduce friction and avoid unnecessary Assigned Risk placements. Ideal Accounts and Appetite This program is designed for a range of small-business accounts, including: Sole proprietors and one-person LLCs (with or without owners included) Independent contractors who need a COI Very small businesses with 1–5 employees Startups and new ventures with limited payroll history Restrictions: Any business that regularly uses subcontractors or day laborers is not eligible for this program. Coverage Options and Highlights SolePro offers three straightforward coverage options to match client needs and budgets: Solo X Minimum-premium workers’ comp for businesses with no employees Owner/sole proprietor is excluded from coverage Includes a 24-hour accident policy Fast online application — sign, bind, and pay in minutes Solo I Affordable workers’ comp for businesses with no employees Owner is included in coverage Optional accident policy Direct bill and payment plans available Plus Flexible workers’ comp for businesses with employees Owners may be included or excluded by choice Employees are automatically covered Optional accident policy Direct bill and payment plans available Why Agents and Brokers Use SolePro SolePro’s platform and underwriting focus make it easier to place small, difficult-to-place accounts. Key advantages: Streamlined online quoting and binding — reduces turnaround time Stable programs aimed at reducing mid-term audits and frequent carrier changes Access to both admitted and non-admitted capacity depending on the state Underwriting specialists experienced in micro-business risk profiles Underwriting Notes and Minimum Premium Programs start at a minimum premium of $750. Underwriting is designed for speed: many simple accounts can be quoted and bound quickly via the SolePro portal. Coverage placement (admitted vs. non-admitted) varies by state and is determined during the quote process. Example Accounts That Fit A freelance photographer who needs a COI to contract with a venue and has no employees — Solo I or Solo X may provide the needed documentation without costly excess premium. A new café with two employees looking for stable, entry-level workers’ comp and flexible billing — the Plus option can include employees and offer payment-plan options. States Where Coverage Is Available SolePro’s Small Business Workers’ Compensation program is currently offered in the following jurisdictions: AL, AZ, AR, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI Get Started To learn more, reach out to SolePro or become an appointed agent today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for sole proprietors, independent contractors, startups, and small businesses with up to a few employees that need affordable workers’ comp coverage or a COI. Can owners choose whether to be included in coverage?Yes. The Solo X option excludes the owner, Solo I includes the owner, and the Plus option allows owners to choose inclusion or exclusion. Are subcontractors or day laborers eligible?No. Businesses that use subcontractors or day laborers are not eligible for any of the SolePro workers’ comp programs. Is this program available in all states?No. Availability varies by state; check the full list above for where the program is offered. How quickly can I bind coverage for my client?SolePro’s online platform is designed for speed — you can often quote, sign, bind, and pay in just a few clicks for eligible accounts. Need help placing an account? Connect with a market specialist.