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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.