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...rs Medical Testing Labs Beauty Salons Doctor Offices Perma... including medispas, tattoo parlors, beauty salons, and smoke/vape shops (reta...

Barber shops and beauty salons face distinct workers’ compens...is program?Independent barber shops, beauty salons, and salon suites that prov...

...se. Solution. Service. MAXIMUM's Beauty Salons and Barber Shops program is a ...ere exposures are limited to routine beauty and grooming services. Typical fit...

... (Retail Sales) Class 10115 – Beauty Parlors and Hair Styling Salons (Reta...Yes, prohibited risks include barber/beauty schools, operations involving tatt...

For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures. Ideal Accounts and Target Industries IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety Submission Requirements To help us deliver fast, accurate indications and bindable quotes, include the following with your submission: Completed ACORD application with a clear description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results. Territories and Availability IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline. What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size. How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable). Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state. Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost. Need help placing an account? Connect with a market specialist.

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... gyms, personal trainers, massage parlors, dance studios, and physical therapi...raining gyms, dance studios, massage parlors, and physical therapy offices. Fa...

New Workers Compensation Insurance Program From Phoenix Risk Management Phoenix Risk Management offers a flexible and competitive Workers Compensation Insurance Program designed for a wide range of industries and business types. Available in most states, this program is backed by a national “A” rated carrier and provides broad underwriting flexibility to help you place hard-to-fit accounts or emerging businesses with confidence. Ideal Accounts and Appetite This program is ideal for small to mid-sized businesses with at least $250,000 in payroll in the governing class code. Phoenix Risk Management welcomes a variety of industries, including new ventures, staffing agencies, and trucking operations—with specific underwriting thresholds for each. Staffing Companies: Minimum premium of $15,000 with a mandatory deductible. Trucking Companies: $25,000 minimum premium for accounts with no owner-operators. $50,000 minimum premium for accounts with up to 15% owner-operators. General Business Accounts: Must have a loss ratio between 40%–60% over the past three years. You might have a client with a growing manufacturing operation or a newly launched staffing firm—both could be a strong fit under this program’s flexible underwriting approach. Coverage Highlights and Advantages No class code restrictions – Underwriting is open to a wide range of industries. Pay-as-you-go payroll reporting – Helps insureds better manage cash flow. Deductible options – Starting as low as $1,000 per claim, with no collateral required for deductibles under $10,000. New ventures accepted – Ideal for clients launching new operations. No financials or deposits required – The only upfront cost is the first month’s payroll report. Underwriting Notes and Minimum Premiums Minimum Payroll: $250,000 in the governing class code. Minimum Premiums: As low as $2,000 depending on the account. Loss History: Preferred loss ratio between 40%–60% over the last three years. Deductibles: Available with no collateral under $10,000. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, OH, and WA. A full list of participating states includes: 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, WY. Why Work With Phoenix Risk Management? Phoenix Risk Management is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in workers compensation placement. Their streamlined underwriting process, access to top-rated carriers, and flexible program design make them an excellent partner for brokers and agents looking to place a variety of WC risks. With no financials or deposits required and a national “A” rated carrier backing the coverage, this program allows you to confidently serve your clients’ workers compensation needs. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include businesses with at least $250,000 in payroll in their governing class code, new ventures, and companies with a loss ratio between 40%–60% over the past three years. Staffing and trucking companies may also qualify with certain minimum premiums and underwriting requirements. Is this program available in my state?The program is available in most states, including CA, TX, FL, NY, and many others. Please refer to the full state list or contact Phoenix Risk Management for eligibility in your area. Are there any financial requirements for submission?No financial statements are required. Additionally, no deposits are necessary—only the first month’s payroll report is needed to initiate coverage. Can new ventures apply for coverage under this program?Yes, new ventures are acceptable and welcomed under this program, provided they meet the minimum payroll and other underwriting criteria. What deductible options are available?Deductibles start as low as $1,000 per claim. No collateral is required for deductible options under $10,000. Need help placing an account? Connect with a market specialist.

What do we consider a "hard to place risk"? High Experience Mods (over 1.50 – no mod is too high) Steel Erection Roofing Trucking Logging Staffing Accounts only eligible for State Fund or Assigned Risk Pools High Claims Frequency Shock Losses All Insurance Underwriters, Inc. (AIU) specializes in placing challenging workers’ compensation risks that most standard markets reject. Whether your client has a high mod, a history of large losses, or is stuck in a state fund, AIU can deliver creative, competitive solutions tailored to their unique needs. Our underwriting and business development teams are nationally recognized for solving the toughest placement challenges. Don't allow your client to pay more than they should! AIU can help you move State Fund/Pool business to better options! Why This Program Works No upfront premium required Pay-As-You-Go options to improve client cash flow No intrusive year-end audits Quick and simple onboarding process Residual commissions above industry averages Appetite for high-risk classes and high mods High deductible, small deductible, and guaranteed cost programs available Designed to eliminate the need for State Fund or Pool placements Ideal Accounts and Target Industries This program is a strong fit for industries and businesses that have been declined by standard carriers or are currently stuck in the State Fund. AIU is actively seeking: Contractors with high mods or complex operations (excluding general contractors) Roofing and steel erection companies Trucking and logistics operations Logging businesses Staffing agencies, including temp medical staffing Pizza restaurants with delivery (up to 50% of gross receipts) Home healthcare providers with at least 3 full-time employees and employee health coverage Non-emergency medical transportation providers Multi-state accounts with high-risk profiles Underwriting Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed ACORD 130 application Currently valued loss runs (within 90 days of effective date), typically for the past 4–5 years Details on any losses over $25,000 Ex-mod worksheet Supplemental application (mandatory for staffing, preferred for all accounts) Staffing submissions should also include: Last 4 quarters of 941s List of current contracts Detailed account description Compiled financials or a balance sheet if no D&B score is available Target premium (strongly preferred) Program Availability AIU’s Hard to Place Risks program is available in most U.S. states, including but not limited to: CA, FL, TX, NY, IL, GA, PA, and many more. We provide options through a variety of carriers depending on the risk and state. Most placements are on a non-admitted basis. Why Partner With AIU? AIU has built a trusted network of retail agency partners across the country. Our success is rooted in the value we place on those relationships and the collaborative way we do business. We respect the role of the producer and reward it with above-average commissions and responsive service. If you’re struggling to place a tough account, we invite you to submit it to our experienced underwriting team. Creating a Win-Win Relationship with Our Agency Partners Let us help you turn your hardest-to-place workers’ comp risks into long-term wins for your agency. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses with high experience mods, frequent or severe losses, or those currently in state funds. Common classes include roofing, trucking, logging, staffing, and steel erection. What documents are needed to submit an account?Submit a fully completed ACORD 130, currently valued loss runs (4–5 years), ex-mod worksheet, and a supplemental application. Staffing submissions require additional documents like 941s and financials. Is there a minimum premium requirement for this program?Minimum premiums vary depending on the class and state, but AIU can accommodate small to mid-sized accounts, especially in high-risk industries. Does AIU offer Pay-As-You-Go billing?Yes, most of our programs offer Pay-As-You-Go billing to improve cash flow and simplify administration for your clients. Can AIU place multi-state or multi-location risks?Yes, AIU has programs specifically designed to handle multi-state accounts with complex or high-risk profiles. Need help placing an account? Connect with a market specialist.

Professional Program Insurance Brokerage (PPIB) offers: Tattoo & Body Piercing Insurance. As a program administrator with decades of experience in niche markets, Professional Program Insurance Brokerage (PPIB) delivers tailored insurance solutions for the body art industry. Our Tattoo & Body Piercing Insurance program is designed to meet the unique risks faced by tattoo artists, body piercers, and shop owners across the country. Ideal Accounts and Appetite This program is ideal for: Independent tattoo artists and body piercers Full-service tattoo and piercing studios Shops operating mobile units or attending conventions Facilities offering permanent makeup or advanced body modifications Businesses with apprenticeship programs or that serve minors (where legally permitted) Whether your client is a single artist renting a booth or a multi-operator shop with multiple service offerings, this program can provide the comprehensive protection they need. Coverage Highlights and Advantages Our comprehensive coverage options help insureds manage a broad range of exposures common in the body art industry. Available coverage includes: Professional Liability – Protects against claims arising from the rendering of tattoo and piercing services. General Liability – Covers third-party bodily injury and property damage. Property Coverage – Optional coverage for the studio’s equipment and premises. Communicable Disease – Optional protection for claims resulting from disease transmission allegations. Sexual Abuse & Molestation – Available for qualified accounts. Coverage Extensions – Includes apprentices, landlords, mobile units, and event/convention exposures. We understand the nuances of the body art world, and our program reflects that with broad eligibility and flexible coverage options. Underwriting Notes This is a non-admitted program available in most states. Submissions should include a completed application and details of services offered. Coverage for minors, advanced procedures, or mobile units may require additional underwriting information. Territories and Availability This program is available in nearly every state, including but not limited to CA, NY, TX, FL, IL, and WA. We currently write business in all 50 states and the District of Columbia. Why Work With PPIB? PPIB has been a trusted partner to insurance agents and brokers for over 25 years, offering specialized programs that meet the needs of unique industries. Our in-depth knowledge of the tattoo and piercing space allows us to underwrite with insight and flexibility. We streamline the process so you can get your clients covered quickly and confidently. Contact Professional Program Insurance Brokerage (PPIB) for all your Tattoo & Body Piercing Insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for tattoo and piercing shops, independent artists, mobile operators, and studios offering permanent makeup or advanced body modifications. Is coverage available for tattooing or piercing minors?Yes, coverage for services provided to minors can be included, subject to underwriting review and local legal requirements. Can this program cover mobile units and conventions?Yes, we offer options to cover mobile units and participation in events or conventions, making it suitable for traveling artists and vendors. What coverages are included in the policy?The program typically includes Professional and General Liability, with optional Property, Communicable Disease, Sexual Abuse, and other key endorsements. In which states is this program available?This is a nationwide program available in all 50 states and Washington, DC, on a non-admitted basis. Need help placing an account? Connect with a market specialist.