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... and long-haul) Intermodal and container haulers Auto haulers and vehicle ...de for-hire trucking, auto haulers, container haulers, last-mile delivery fleets, and s...

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Scurich Insurance Services has been serving businesses in the Bay Area since 1924. Among other business insurance coverages, we specialize in Workers Compensation Insurance for employers across the Monterey Bay area. We work with agents and brokers to place competitive, appropriately underwritten Workers Comp programs that protect employees and reduce employer exposure. Overview of the Program from Scurich Insurance Services This program is designed for independent agents who need a responsive market for California Workers Compensation accounts. Scurich combines local underwriting knowledge with long-standing carrier relationships to help you secure the right coverage and pricing for small- and mid-sized employers. Our focus is practical: get a competitive rate, help control costs, and assist you in managing the account through policy term and renewals. Ideal Accounts and Appetite Small to mid-sized employers in Monterey Bay and surrounding Central Coast communities. Target classes: retail, restaurants and food service, light manufacturing, contractors and trades, landscapers, healthcare clinics, professional services, property management, and similar low-to-moderate hazard operations. Good fit: employers with regular payrolls, reasonable loss history, and interest in loss-control or return-to-work programs. Likely not a fit: large accounts with complex, high-hazard exposures or heavy out-of-state operations without prior discussion. Coverage Highlights and Advantages Core Workers Compensation coverage for medical costs, wage replacement, and employer liability defenses. Practical underwriting that considers payroll, class codes, loss history, and experience modification to target competitive premiums. Support for loss-control and claims management to help reduce long-term costs and improve client retention. Local market expertise — underwriting and service focused on California regulatory and care patterns specific to the Monterey Bay region. Underwriting Notes and Placement Guidance When submitting, provide completed payroll detail by class code, the most recent loss runs, and information about safety or return-to-work programs. Accounts with clean or improving loss history and documented safety practices typically receive the most favorable consideration. For accounts with elevated losses, highlight any corrective actions taken and your client's plan to reduce future claims. Territories and Availability Available in CA, with emphasis on Monterey Bay and nearby Bay Area communities. If an account has multi-state operations, include those details up front — it helps underwriters evaluate placement options promptly. Why Work with Scurich Insurance Services on Workers Compensation Nearly a century of local presence and experience in the Bay Area market. Agent-focused service: underwriting guidance, competitive quoting, and help managing renewals and loss-control conversations with clients. Flexible approach to a wide range of small- and medium-sized employer classes common to the Monterey Bay economy. We will: Get you a competitive rate with the right coverage. Save you money. Help you manage your program. Common employer myths — and the realities agents can explain to clients Myth: “I only have part-time or a few employees, so I don't need Workers Comp.” Reality: Workers Compensation covers medical expenses and lost wages from job-related injuries and protects against employee lawsuits; many customers or contracts require coverage regardless of employee count. Myth: “My employees would never sue me.” Reality: Injured workers may pursue large bills for medical care and related damages. Workers Comp provides defense resources and limits employer liability exposure. Myth: “Workers Comp is too expensive; I'll pay out-of-pocket if something happens.” Reality: Severe injuries, prolonged disability, and litigation can be far costlier than coverage. Workers Comp also supports return-to-work and medical management to minimize long-term costs. Myth: “My workplace is safe; accidents won't happen.” Reality: Accidents occur even in safe environments; a single mishap can create substantial medical and liability expense. Myth: “Medical costs in Workers Comp are unmanageable.” Reality: Recent trends show medical inflation in Workers Comp has been comparable to group health; cost-containment programs and regulation have moderated growth in many areas. Scurich Insurance Services has been serving the Monterey Bay Area since 1924. To make sure your clients have this essential protection for their workers at an affordable cost, place their Workers Compensation business with Scurich through your wholesale or brokerage channels and give us a call to discuss submissions and appetite. Frequently Asked Questions What types of accounts does Scurich prefer for this Workers Compensation program?Scurich focuses on small- to mid-sized employers in Monterey Bay and nearby California communities—retail, restaurants, light manufacturing, contractors, landscapers, healthcare clinics, and similar low-to-moderate hazard classes typically fit well. What documents should I include with a submission?Provide payroll by class code, the most recent loss runs (usually 3–5 years), a description of operations, and any safety or return-to-work programs. Additional detail on subcontracting or multi-state exposure speeds underwriting. Are there common declinations or restrictions I should expect?High-hazard operations, significant out-of-state payroll, or extremely adverse loss histories may require referral or additional underwriting. Discuss borderline accounts with Scurich underwriters before submitting. How does Scurich help with account management after placement?Scurich provides underwriting support at renewal, guidance on loss-control practices, and assistance coordinating carrier resources to help contain claim costs and improve client outcomes. Need help placing an account? Connect with a market specialist.

Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.