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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.

Underwriting Solutions of America, Inc Are you frustrated with PEO or self-insured placements that leave your clients exposed to hidden fees, lost mods, or poor service? Underwriting Solutions of America (USA), a division of All Insurance Underwriters, Inc., offers a better way. As a trusted and preferred PEO vendor for insurance agencies nationwide, USA specializes in PEO/Employee Leasing Programs designed to simplify workers' comp placement, especially for high-risk or hard-to-place classes. Our programs are built with transparency, flexibility, and agent support at their core—making us a go-to partner for agencies looking to deliver long-term value to their clients. Ideal Accounts and Appetite Our PEO program is tailored for accounts that traditional markets shy away from. We welcome: High-risk industries such as roofing, steel erection, bridge construction, logging, and trucking High experience mods (no mod is too high—we specialize in mods over 1.35) Unique or tough class codes that often require creative solutions Staffing companies and labor-intensive businesses USL&H exposures and other complex risks If it's tough to place, it's a great fit for us. Coverage Highlights and Advantages No upfront or audit premiums – Reduce client frustration with unexpected costs “Pay-as-you-go” billing – Improves cash flow and simplifies administration Little to no money down – Ideal for businesses with tight budgets Fast and easy start-up – Get your clients covered quickly Guaranteed cost and deductible options – From as low as $500 per occurrence to $1 million layers Creative deductible programs – Flexible structures to meet your client's needs Residual commissions – Above industry average for agency partners Underwriting Notes and Minimum Premiums Programs are typically written on Multiple Coordinated Policies (MCP) and report to the bureau biannually. All costs are disclosed transparently at the time of quoting—no surprises. Our underwriting approach is common sense-driven, with a focus on educating the insured to reduce losses and improve mod scores over time. Minimum premiums vary by risk and state. Territories and Availability Our PEO programs are available in all 50 states, including DC. Whether your client is located in California, Texas, Florida, or a smaller market like Vermont or North Dakota, we’ve got you covered. Most programs are written on a non-admitted basis, depending on state regulations and class of business. Why Work With All Insurance Underwriters, Inc. Underwriting Solutions of America works hand-in-hand with agents and brokers throughout the quoting, onboarding, and servicing process. Our partners value our responsiveness, transparency, and ability to place accounts that other markets won’t touch. Whether you're placing a start-up roofer or a multi-state trucking operation with high losses, we bring deep expertise and competitive options. Click on our USA Partner Agreement or call today to work with a team that combines underwriting precision with real-world solutions. Currently operating in all states For more information on competitive quotes and details about Underwriting Solutions of America, please visit www.usa4insurance.com Frequently Asked Questions What types of accounts are a good fit for this PEO program?This program is ideal for high-risk industries, high experience mods, tough class codes, and businesses declined by standard markets. Can I place accounts in any state?Yes, this program is available in all 50 states and the District of Columbia, subject to state-specific regulations. What deductible options are available?We offer flexible deductible structures—from guaranteed cost to $500 per occurrence and up to $1 million layers, depending on the account. Are there any upfront premium requirements?No, our PEO program does not require upfront or audit premiums, and most accounts can start with little to no money down. How involved is your team during the onboarding process?Our team works closely with your agency throughout quoting, enrollment, and servicing to ensure a smooth and successful placement. Need help placing an account? Connect with a market specialist.

Small Account Workers' Compensation Insurance Program from Phoenix Risk Management Phoenix Risk Management (PRM) offers a specialized Small Account Workers' Compensation Program designed for agencies looking to place smaller workers' comp accounts with competitive carriers. With a premium range from $1,000 to $100,000, this program is ideal for smaller businesses across a variety of industry classes that meet specific underwriting criteria. Whether your client operates a local retail shop, small manufacturing facility, or service-based business, PRM provides access to financially strong carriers (rated A XV to B+ VII by A.M. Best) that can offer the coverage they need—even if their account is too small for traditional markets. This is a non-admitted program, and carrier details are disclosed to appointed brokers upon request. Target Classes and Ideal Accounts The PRM Small Account Workers’ Compensation Program is well-suited for agents with clients in defined industry classes that may not qualify for standard markets due to size. Ideal accounts include: Small contractors and artisan trades Light manufacturing and assembly operations Retailers and small wholesalers Professional offices and service businesses You might have a client with a clean loss history and under $100,000 in annual premium, but they're struggling to find a carrier willing to take on the risk. This program is designed for those scenarios. Program Highlights Premium range: $1,000 to $100,000 Minimum premium: $1,000 Access to financially secure carriers (A XV to B+ VII) Tailored underwriting for small accounts Available across 48 states plus DC Submission Requirements To streamline the quoting process, PRM requires a complete submission package: Signed and dated ACORD application with FEIN Signed and dated PRM supplemental application Minimum of 4 years of currently valued loss runs (within 90 days of effective date) 4 years of historical aggregate payroll data Current Experience Modification Worksheet (if available) Details on any losses over $50K Complete description of operations Bureau Inspection Report (if available) Submissions accepted no earlier than 90 days prior to the effective date Territory and Availability This program is available in nearly all U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Partner with Phoenix Risk Management Phoenix Risk Management is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in workers’ compensation. Their focus on small accounts, responsive underwriting, and strong carrier relationships make them a valuable partner for agents placing tough-to-place or underserved risks. With a streamlined submission process and clear underwriting expectations, PRM helps you close more business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Workers’ Compensation program?Small businesses with premiums between $1,000 and $100,000 across defined industry classes such as retail, light manufacturing, and service trades are ideal. Accounts should have a clean loss history and meet underwriting criteria. Is this program admitted or non-admitted?This is a non-admitted program. Carrier names are disclosed to appointed brokers but are not advertised publicly. How far in advance can I submit an account?Submissions are accepted no earlier than 90 days before the requested effective date. What documentation is required to obtain a quote?A completed and signed ACORD application, PRM supplemental application, 4 years of loss runs, payroll history, and other underwriting data such as X-Mod and loss details over $50K are required for a quote. In which states is this program available?The program is available in most U.S. states, including all continental states and Washington, D.C., as well as Alaska and Hawaii. Need help placing an account? Connect with a market specialist.