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Mercator Risk Services, offered through Preferred Concepts ...ith prior claims?Yes. Mercator Risk Services will consider hard-to-place and d...

...For over 2 decades National Risk Services has provided these services to Fortune 500, Small & Medium B...Human Resource & Administration services provide the opportunity to capita...

...ffers dependent and claims audit services to organizations of any size. We spe...ild support •Military services

...Regional Trucking & Delivery Services Multi-Location Restaurant & ...viders (HVAC, Landscaping, Cleaning Services) Franchises & Chain Retai...

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.

PROGRAM OVERVIEW A Workers’ Compensation program built for tough industries. Payroll Opt-Out is a unique premium only master policy workers comp solutions for businesses in tough industries and with substantial premium (100k+). Like a standard market program, the risk processes its own payroll and pays payroll taxes under its own tax ID numbers. The Employer gets Workers’ Compensation coverage through the Payroll Opt-Out’s master policy. This program is the next best thing to standard market coverage and in some cases even better. Welcoming expansion and growth This program is excellent for expanding businesses as new class codes and New Coverage states can be added seamlessly. Premium is Pay-As-You-Go allowing clients to pay for coverage based on actual payroll amounts during that pay period. This payment process allows for better cash flow throughout the year opposed to a lump sum payment. Key Points and benefits Coverage through A Rated master policy Clients Payroll and Tax functions remain as they are today. No year-end audits. Client E-MOD is not used in pricing for Payroll Opt-Out programs. Pay As You Go payment structure. Industries that excel. Payroll Opt-Out is a solution tailored to all tough industries including but not limited to: Staffing Agriculture Manufacturing Landscaping Construction Medical Transportation Hospitality Large Contractors Waste Management Repossession Mining Why payroll Opt-Out works so well in distressed industries. From pricing to process Payroll Opt-Out was designed to fit the needs of tough & distressed clients. E-MOD not being used in pricing allows businesses with large loss history to see great savings on overall pricing. Pay-As-You-Go payment structure allows for cash flow relief and management. Billing is done through after the fact payroll reports to ensure clients are billed for the correct class codes and payroll amounts. Bottom Line - The client gets cost effective workers’ compensation coverage through providers and carriers that understand their industry while not affecting clients everyday HR, Payroll and Tax functions.

...all customer contact • Automate auditing and configure workflows • Customize...