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No matter where your client is located, Phoenix Risk Management offers a flexible and competitive stand-alone Workers' Compensation Insurance program designed to help you place even the most challenging risks. We provide independent agents and brokers with access to a wide array of Workers’ Compensation markets and coverage options through multiple A-rated carriers. Whether you’re working with a new venture, a high-mod account, or a business with lapses in coverage, we can help you find the right fit for your client’s needs. We offer a variety of plan options, including: Guaranteed Cost Plans Deductible and Loss Sensitive Plans Self-Insurance for Groups and Individuals Captive Programs Minimum premiums starting at $500.00 Solutions for special situations: - Mid-term cancellations - Lapsed coverage - New ventures Ideal Accounts and Appetite Phoenix Risk Management works with a broad range of Workers’ Compensation classifications. Through our strong carrier partnerships, we can help you place standard, preferred, and even harder-to-place business. Some ideal accounts may include contractors, healthcare providers, hospitality, light manufacturing, transportation, and retail operations. You might have a client who recently started a business and is struggling to find a market due to being a new venture—or perhaps an established operation that had a lapse in coverage. Our flexible solutions are built to address these real-world challenges. Coverage Highlights and Advantages Access to hundreds of WC class codes Multiple A-rated carrier options Wide range of plan structures to meet client needs Solutions for complex or distressed risks Fast, responsive underwriting Underwriting Notes and Submission Requirements To get started, please submit the following: Signed ACORD application Supplemental application Loss runs (current year + previous 4 years preferred), valued within 90 days of the effective date Aggregate payroll history to match loss years Minimum premiums start at $500.00, but may vary depending on the risk and state. Territories and Availability Our Workers’ Compensation Insurance program is available in all states, including DC. We can assist you with admitted and non-admitted solutions based on the specific needs of your client’s location and business operations. Why Work With Phoenix Risk Management? Phoenix Risk Management gives independent agents access to an unmatched variety of Workers’ Compensation markets. We are experienced in handling unique and complex risks and pride ourselves on responsive service, flexible underwriting, and knowledgeable support. With our wide carrier access and national availability, we are your one-stop shop for Workers’ Compensation placements—whether standard or hard-to-place. Send submissions to: [email protected] Contact us today to learn how we can help you secure the right Workers’ Compensation solution for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We can help place a wide range of accounts, including contractors, healthcare, retail, light manufacturing, and transportation. We also consider new ventures and businesses with lapsed coverage. Are options available for clients with high experience mods or loss histories?Yes, we offer loss-sensitive plans and have access to carriers willing to consider higher-mod or distressed risks. What is the minimum premium for this program?Minimum premiums start at $500.00, but may vary based on class code, state, and risk factors. Do you offer coverage in all states?Yes, our Workers' Compensation Insurance program is available in all 50 states plus Washington, DC. What documents are needed to submit a risk?We require a signed ACORD application, completed supplemental application, current loss runs valued within 90 days, and payroll history matching the loss years. Need help placing an account? Connect with a market specialist.

IrrigationPro™ is a focused insurance program from NIP Group created for contractors who install and repair irrigation systems and perform non-aerial pesticide applications. Built for landscaping, turf management, and agricultural enhancement trades, this program helps you place accounts that are often hard to insure with confidence and speed. Ideal Accounts and Appetite IrrigationPro™ targets businesses that work with lawns, turf, crops, golf courses, and other managed green spaces. Submit accounts that perform: Sprinkler and irrigation system installation, maintenance, and repair Non-aerial pesticide and herbicide application (ground-based) Excavation and trenching related to irrigation or landscaping Site preparation for lawn and landscape projects Land grading and improvement work Example fits: a contractor who installs and maintains irrigation systems for residential developments, or an operator who provides pesticide application and turf care for golf courses. Both are the kinds of accounts this program is designed to place. Coverage Highlights and Advantages IrrigationPro™ delivers broad, customizable liability and property-oriented coverages tailored to the risks irrigation and pesticide contractors face. The program addresses exposures such as accidental property damage from heavy equipment, third-party bodily injury from on-site operations, and liabilities related to chemical applications. NIP Group places this program through multiple carrier partners to provide competitive options and flexible terms. Underwriting Notes and Minimum Premiums Underwriting is evaluation-driven and focused on operations, loss history, and controls for pesticide use and excavation work. Minimum premiums vary by risk profile and selected coverages. NIP Group works directly with agents to review submissions quickly and provide practical underwriting feedback that helps you place marginal or specialty accounts. Territories and Availability IrrigationPro™ is available in most states, including CA, FL, TX, NJ, NY, and IL, and operates across 49 states plus Washington, DC. Many placements are offered on an admitted basis where carriers are licensed, simplifying regulatory and claims handling for your insureds. Why Work With NIP Group? NIP Group is a managing general agency with deep experience in niche programs for landscaping, horticulture, and environmental services. By combining specialized underwriting expertise, access to multiple carriers, and responsive service, NIP Group helps agents place complex irrigation and pesticide exposures more efficiently. Their program team understands field operations, regulatory concerns around chemical use, and the contractors’ seasonal workflows—insights that translate to more effective placements. Frequently Asked Questions What types of accounts are a good fit for the IrrigationPro™ program?The program is best for contractors who install, repair, or maintain irrigation systems and who perform ground-based pesticide applications for lawns, crops, golf courses, and similar properties. Is the program available on an admitted basis?Yes. Coverage is available on an admitted basis in most states where the program is offered. Which states is the IrrigationPro™ program available in?IrrigationPro™ is available in nearly all states, including CA, TX, FL, NY, NJ, and more—covering 49 states plus Washington, DC. Are minimum premiums required?Yes. Minimum premiums apply and vary based on the risk profile and coverage options selected for each account. What carriers are used for this program?NIP Group partners with multiple carriers to provide flexibility and competitive options tailored to each submission. Need help placing an account? Connect with a market specialist.