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...ce program designed to protect professionals from claims related to negligence...t suitable for small to mid-sized professional service firms. Need help plac...

... operations, including: Professional Employer Organizations (PEOs) — pa...ding Workers’ Compensation, General Liability, EPLI, D&O, Crime, Property, Auto Liability, and both Staffing and Medical E...

...services organizations. With class codes 8864 and 8842, our program is designe...

...washing of sidewalks, driveways, building exteriors and interiors, mobile equi... What is the minimum deductible for liability coverage?The program requires a minimum $1,000 deductible for General Liability coverage. Which states is this p...

...ge to meet their operational and liability exposures. Our experienced team is ...tomotive garage that needs stronger liability protection, Colonial General can...

U.S. Risk Insurance Group, Inc. offers a manufacturing-focused Workers' Compensation program through its UPA division. Backed by an A-rated carrier, this program gives independent agents a competitive placement option for light to medium manufacturing risks. The product is designed to be flexible and easy to place—whether the account is a new venture, an established shop, or a PEO carve-out—while providing responsive underwriting and practical payment options. Products Offered: Guaranteed cost programs and dividend plans (Florida only) Ideal Accounts and Appetite This program targets a broad range of light to medium manufacturing operations. New ventures are eligible and PEO carve-outs are accepted with the required documentation. Typical fits include small metal fabrication shops, regional food packaging facilities, component manufacturers, and similar operations without heavy industrial exposures. Basic eligibility includes a $3,000 minimum premium. Accounts with high-risk work (for example, domestic, aviation, or federal contracts), extensive 24-hour confined-space operations, or active tax liens/bankruptcy are not eligible. Group transportation is limited to no more than five employees per vehicle. If an account has a lapse in coverage, it should be referred to underwriting for review. Coverage Highlights and Advantages Guaranteed cost and dividend plan options (FL only) Online loss runs for faster claims visibility UPAY — As-You-Go payroll reporting to help insureds manage cash flow Direct bill and monthly self-reporting available (5% non-working deposit required) There is no cap on experience modification factors, which increases placement flexibility for accounts with complex loss histories. Height and underground work have limits (no more than 20 feet or 2 stories above ground; no more than 6 feet below ground). Underwriting Notes Minimum premium: $3,000 (no stated maximum) New ventures are eligible Group transportation limited to five employees per vehicle Accounts with a lapse in coverage must be referred to underwriting PEO carve-outs require loss history, a signed PEO/client contract and amendment, and a labor endorsement Height and depth restrictions apply Tax liens and bankruptcies are ineligible State Availability This program is available in most states nationwide, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage in California and Oklahoma is limited and incidental; those states cannot be designated as the governing state for a policy. Why Work With U.S. Risk Insurance Group? As an experienced Managing General Agency, U.S. Risk pairs program expertise with efficient placement services. Agents benefit from underwriting teams that understand manufacturing exposures, access to an A-rated carrier, flexible payment structures, and tools that simplify account management—like online loss runs and UPAY payroll reporting. The UPA division focuses on workers' compensation programs, so you get specialized support when placing manufacturing business. Frequently Asked Questions What types of accounts are a good fit for this program?Light to medium manufacturing operations, including new ventures and PEO carve-outs (with required documentation), are ideal candidates. Is this program available for businesses with 24-hour operations?Yes. Businesses with 24-hour shift work are eligible provided there are no other high-risk exposures that would change underwriting classification. Can I submit an account with a lapse in coverage?You can submit such accounts, but any lapse must be referred to underwriting for review and possible additional requirements. What are the payment plan options?Available plans include UPAY As-You-Go payroll reporting, direct billing, and monthly self-reporting (monthly reporting requires a 5% non-working deposit). Are PEO carve-outs allowed under this program?Yes. PEO carve-outs are accepted when accompanied by loss history, a signed PEO/client contract and amendment, and the required labor endorsement. Need help placing an account? Connect with a market specialist.

U.S. Risk Insurance Group, Inc. partners with an A-rated carrier to offer a competitive workers' compensation market for auto service and repair operations. This program is built for agents who need flexible placement options for garages, repair shops, and mobile service providers across a broad territory. Overview of the Program The Auto Service Workers Compensation Insurance program is designed for auto service and repair risks and supports both guaranteed cost and dividend plan structures (dividend plans available in FL). U.S. Risk provides underwriting expertise, online loss runs, and practical payment options to help you place business efficiently. Ideal Accounts and Appetite Independent auto repair shops, quick lube centers, tire shops, and small fleet service operations Mobile mechanics and service providers (including limited group transportation exposures) New ventures and insureds transitioning out of PEO arrangements Examples: You might have a client who operates a two-bay repair shop with three technicians and light mobile service work, or a newer start-up tire shop seeking admitted coverage with online servicing and predictable billing. Coverage Highlights and Advantages Products: Guaranteed cost and dividend plan options (FL dividend plans) Service: Online loss runs to speed underwriting and renewals Payment plans: Direct bill and monthly self-reporting with non-working deposit Flexible underwriting for new ventures and accounts coming out of PEOs; PEO carve-outs available with required documentation Underwriting Notes and Key Restrictions $2,000 minimum premium — no stated maximum New ventures eligible Group transportation allowed but limited to no more than five employees per vehicle Lapse in coverage must be referred to underwriting No maximum experience modifier required Height and underground work limits: no more than 20 feet (approximately 2 stories) above ground and no more than 6 feet below ground 24-hour shift work exposure eligible only when it is the sole exposure PEO carve-outs: require loss history, a signed PEO/client contract and amendment, and a labor endorsement Ineligible exposures: domestic, aviation, and federal coverages; tax lien or bankruptcy Limited / Incidental / Cannot be governing state: CA, OK Territories and Availability This program is available through U.S. Risk in the following states: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Confirm state availability and admitted/non-admitted options at submission. Why Work With U.S. Risk Insurance Group, Inc. on These Risks U.S. Risk pairs underwriting experience in the auto service niche with practical servicing tools (online loss runs and multiple payment options). The program handles common exposures for repair and mobile service shops and offers carve-out solutions for accounts leaving PEOs. Minimum premium thresholds and clear restrictions make it straightforward to determine fit quickly, helping you place eligible accounts faster. Underwriting Checklist — What to Submit Current loss runs (online loss runs accepted) Signed copy of PEO/client contract and amendment when applicable Details on any group transportation, shift work, height or underground exposures Information on lapses in coverage (refer to underwriting) Frequently Asked Questions What types of auto service accounts are a good fit for this program?Brands such as independent repair shops, quick lubes, tire shops, mobile mechanics, and small fleet service providers are a good fit — especially when exposures fall within the stated height, underground, and group transportation limits. Can I place a client coming out of a PEO?Yes. U.S. Risk accepts insureds coming out of PEOs and offers PEO carve-outs. Underwriting requires loss history, a signed PEO/client contract and amendment, and a labor endorsement. What are the payment and servicing options?Agents can offer direct bill or monthly self-reporting with a non-working deposit. Online loss runs are available to simplify underwriting and renewals. Are there minimum premiums or other submission thresholds?The program has a $2,000 minimum premium. Lapses in coverage, tax liens, or bankruptcy require referral and may make the account ineligible. Which states are excluded or restricted?The program is available in the listed states above but has limited/incidental or non-governing state restrictions for CA and OK. Confirm state availability at submission. Need help placing an account? Connect with a market specialist.

... Wide range of eligible class codes and flexible underwriting for complex...

At Insurance Program Managers Group (IPMG), we offer a focused Trucking Workers' Compensation Insurance program to help agents and brokers place long- and short-haul trucking accounts. With access to A-rated carriers and fast turnaround on complete submissions, IPMG delivers workers' comp solutions tailored to the driver and fleet exposures common in transportation—across a broad set of states and multistate operations. Ideal Accounts and Appetite This program fits transportation risks for both long-haul and short-haul fleets. We place independent owner-operators, small to mid-sized fleets, and regional carriers—including accounts with higher experience modification ratings or difficult loss histories. We also handle mixed fleets (owned and leased vehicles) and operations with multistate payrolls and exposures. You might have a client who recently expanded into interstate routes or one whose mod rose after prior claims—IPMG can help you find markets for those tougher-to-place accounts. Coverage Highlights and Advantages Workers' compensation coverage tailored for trucking, addressing driver-specific exposures and classifications Markets that will consider accounts with elevated experience mods Same-day quoting available when you submit a complete package Access to A-rated carriers experienced in transportation and trucking risks Underwriting Notes and Submission Requirements To provide a quick and accurate quote, a complete submission should include: ACORD application with a clear description of operations and driver duties 3–4 years of currently valued loss runs Current experience modification rating (if available) Minimum premium begins at $5,000, which makes the program practical for a range of fleet sizes. Territories and Availability IPMG can write Trucking Workers' Compensation in the following states: AL, AK, AZ, AR, CT, FL, HI, ID, IL, IN, IA, KS, LA, MD, MA, MS, MO, NE, NV, NM, NY, NC, OK, PA, RI, SC, TN, TX, UT, VA, DC, WV, and WI. Our broad geographic footprint supports placement of multistate trucking operations. Why Work With IPMG? IPMG is a program administrator with deep experience in niche markets such as trucking. We focus on efficient underwriting, responsive service, and access to competitive A-rated markets. Our team works with agents to place accounts that may not fit standard underwriting boxes, helping you secure coverage for clients with complicated exposures. Visit our Trucking Insurance program page to learn more or view our full company profile here. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong fit for both long-haul and short-haul trucking operations, including fleets with higher experience modifications or challenging loss histories. What is the minimum premium for this program?The minimum premium starts at $5,000, making the program suitable for small to mid-sized trucking operations. What information is needed to get a quote?Provide an ACORD application with operations detail, 3–4 years of currently valued loss runs, and the current experience mod rating if available. Are same-day quotes available?Yes — IPMG offers same-day quotes when you submit a complete package. In which states is the program available?The program is available in more than 30 states, including TX, FL, IL, and NY, among others listed above. Need help placing an account? Connect with a market specialist.