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Underwriting Solutions of America, Inc Are you frustrated with PEO or self-insured placements that leave your clients exposed to hidden fees, lost mods, or poor service? Underwriting Solutions of America (USA), a division of All Insurance Underwriters, Inc., offers a better way. As a trusted and preferred PEO vendor for insurance agencies nationwide, USA specializes in PEO/Employee Leasing Programs designed to simplify workers' comp placement, especially for high-risk or hard-to-place classes. Our programs are built with transparency, flexibility, and agent support at their core—making us a go-to partner for agencies looking to deliver long-term value to their clients. Ideal Accounts and Appetite Our PEO program is tailored for accounts that traditional markets shy away from. We welcome: High-risk industries such as roofing, steel erection, bridge construction, logging, and trucking High experience mods (no mod is too high—we specialize in mods over 1.35) Unique or tough class codes that often require creative solutions Staffing companies and labor-intensive businesses USL&H exposures and other complex risks If it's tough to place, it's a great fit for us. Coverage Highlights and Advantages No upfront or audit premiums – Reduce client frustration with unexpected costs “Pay-as-you-go” billing – Improves cash flow and simplifies administration Little to no money down – Ideal for businesses with tight budgets Fast and easy start-up – Get your clients covered quickly Guaranteed cost and deductible options – From as low as $500 per occurrence to $1 million layers Creative deductible programs – Flexible structures to meet your client's needs Residual commissions – Above industry average for agency partners Underwriting Notes and Minimum Premiums Programs are typically written on Multiple Coordinated Policies (MCP) and report to the bureau biannually. All costs are disclosed transparently at the time of quoting—no surprises. Our underwriting approach is common sense-driven, with a focus on educating the insured to reduce losses and improve mod scores over time. Minimum premiums vary by risk and state. Territories and Availability Our PEO programs are available in all 50 states, including DC. Whether your client is located in California, Texas, Florida, or a smaller market like Vermont or North Dakota, we’ve got you covered. Most programs are written on a non-admitted basis, depending on state regulations and class of business. Why Work With All Insurance Underwriters, Inc. Underwriting Solutions of America works hand-in-hand with agents and brokers throughout the quoting, onboarding, and servicing process. Our partners value our responsiveness, transparency, and ability to place accounts that other markets won’t touch. Whether you're placing a start-up roofer or a multi-state trucking operation with high losses, we bring deep expertise and competitive options. Click on our USA Partner Agreement or call today to work with a team that combines underwriting precision with real-world solutions. Currently operating in all states For more information on competitive quotes and details about Underwriting Solutions of America, please visit www.usa4insurance.com Frequently Asked Questions What types of accounts are a good fit for this PEO program?This program is ideal for high-risk industries, high experience mods, tough class codes, and businesses declined by standard markets. Can I place accounts in any state?Yes, this program is available in all 50 states and the District of Columbia, subject to state-specific regulations. What deductible options are available?We offer flexible deductible structures—from guaranteed cost to $500 per occurrence and up to $1 million layers, depending on the account. Are there any upfront premium requirements?No, our PEO program does not require upfront or audit premiums, and most accounts can start with little to no money down. How involved is your team during the onboarding process?Our team works closely with your agency throughout quoting, enrollment, and servicing to ensure a smooth and successful placement. Need help placing an account? Connect with a market specialist.

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