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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.

The healthcare sector continues to grow rapidly, and with that growth comes increased demand for specialized workers’ compensation solutions. Healthcare professionals face a unique set of occupational risks—from repetitive motion injuries and needle sticks to illness exposure and patient-handling incidents. Don R. Jensen & Company offers a tailored Workers Compensation Insurance program designed specifically for healthcare industry accounts. As a wholesale broker with access to multiple carriers, we help agents and brokers place business with confidence and efficiency. Ideal Accounts and Appetite This program is designed for a wide range of healthcare-related operations. Whether you're working with a small home health agency or a large nursing facility, we can help you find the right coverage solution. Eligible classes include: Home Health Care Providers Nursing Homes Assisted Living Centers Hospitals and Clinics Dentists and Dental Offices Physical Therapy Practices Veterinary Clinics Chiropractors You might have a client operating a multi-location physical therapy group or a growing home health agency—our program is built to accommodate a wide range of size and complexity. Coverage Highlights and Advantages We understand the healthcare sector's exposures and work with carriers that specialize in this space. Our workers' compensation insurance provides coverage for employee injuries and illnesses arising from job-related duties, ensuring peace of mind for your insureds. Key advantages include: Access to multiple carriers for a competitive approach Broad class code eligibility within healthcare Responsive underwriting and submission turnaround Support with challenging or higher-mod accounts Underwriting Notes and Minimum Premiums Submissions must include the following: Completed Acord application Three years of currently valued loss runs Current experience mod worksheet Minimum premium for this program is $5,000. All submissions should be sent to [email protected]. Territories and Availability Our healthcare workers’ compensation program is available in most states across the U.S., including but not limited to CA, TX, FL, IL, NY, and PA. Whether your client is based in the Midwest, West Coast, or the South, we can help you find coverage options that fit. Why Work With Don R. Jensen & Company With decades of experience as a wholesale broker, Don R. Jensen & Company is a reliable partner for agents and brokers seeking dependable markets for healthcare-related workers’ comp risks. Our team is knowledgeable, responsive, and focused on delivering solutions that help you grow your business. We work with a variety of carriers to bring you flexible options tailored to your clients' needs. To learn more about our healthcare industry workers’ compensation program, visit www.drjco.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for a wide range of healthcare providers, including home health agencies, nursing homes, clinics, and therapy practices. What is the minimum premium requirement?The minimum premium for this workers' compensation program is $5,000. What submission documents are required?You’ll need to submit a completed Acord application, three years of currently valued loss runs, and an experience mod worksheet. Which states is this program available in?This program is available in most U.S. states, including CA, TX, FL, IL, and NY, among many others. Who should I contact to submit an application?All submissions should be sent to [email protected] for prompt review by our underwriting team. Need help placing an account? Connect with a market specialist.