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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.

Business Auto Insurance Coverage for a Wide Range of Classes Overview of the Program from Amwins Underwriting Amwins National Transportation Underwriters (part of the Amwins Underwriting Division) offers a targeted Business Auto Insurance program for both for-hire and not-for-hire operations. Our underwriting team focuses on trucking and transportation exposures and works with a panel of financially sound carriers to deliver practical, market-aware solutions for commercial auto risks. Ideal Accounts and Appetite The program has a broad appetite across many transportation-related classes. Typical accounts that fit well include: Armored cars Building material haulers Contractors (vehicle fleets supporting trades) Courier and distribution services (magazines, newspapers, wholesale/retail delivery) Cranes & boom trucks Dairies, food delivery and food trucks Driver training — auto, truck & tractor Escort vehicles and mobile offices Funeral operations Farmer vehicles Waste disposal (note: no landfill exposure) Classes not listed may still be considered on a case-by-case basis; reach out with details to confirm appetite. Coverage Highlights and Advantages Primary commercial auto liability and physical damage options tailored to trucking and specialty vehicle fleets. Available extensions commonly used by transportation accounts: hired/non-owned auto, trailer interchange, cargo coverage where appropriate, and medical payments/UM/UIM as allowed by the market. Access to multiple underwriting teams and carrier relationships through Amwins’ transportation platform, improving chances to place complex or specialty risks. Underwriters experienced in occupational and operational exposures typical to delivery, contractor, and fleet operations. Example Accounts A regional courier fleet with mixed package delivery vehicles and hired drivers that needs liability plus hired/non-owned auto protection. A contractor with building material haulers and several jobsite trucks seeking combined liability and physical damage coverage with flexible limits and deductible options. Underwriting Notes and Documentation Underwriting considers fleet composition, vehicle types, driver qualifications, loss history, and territory of operations. Common submission items: current loss runs, schedule of vehicles, driver lists/MVRs, and a description of operations and controls (especially for driver training or armored operations). Waste disposal accounts are evaluated only where there is no landfill exposure (as noted in appetite). Territories and Availability The program is available in most states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage form and admitted/non-admitted market placement may vary by state and by carrier. Why Place Business with Amwins Underwriting Specialized transportation underwriting expertise within a large wholesale platform. Relationships with multiple financially sound carriers to match coverage to account complexity. Practical placement approach for both standard and harder-to-place classes within the transportation and specialty fleet space. If you have a submission that fits the classes above — from single-vehicle food trucks to multi-unit contractor fleets — submit details and supporting documents so our underwriters can assess available options and provide a timely response. Frequently Asked Questions What types of accounts are a good fit for this Business Auto program?Accounts in trucking, delivery, contractor fleets, couriers, food trucks, driver training, cranes/boom trucks, armored cars, and similar specialty fleet operations are all typical fits. Waste disposal accounts are considered only when there is no landfill exposure. What submission information should I provide to get a quick decision?Include a current vehicle schedule, driver roster with MVRs or summary driver qualifications, three to five years of loss runs, a description of operations (routes, radius, cargo types), and any risk control measures in place. More complex accounts may need additional documentation. Is this program admitted or non-admitted?The program is underwritten with various financially sound carriers and may place business on either an admitted or non-admitted basis depending on the carrier and the state. Availability and form will depend on the account and jurisdiction. Are cargo and hired/non-owned coverages available?Yes — cargo and hired/non-owned auto coverages are commonly available through the panel, subject to carrier appetite, the cargo type, and specific underwriting review. How do I confirm state availability for a specific account?State availability can vary by carrier. Submit the account details and state(s) of operation and our underwriting team will confirm whether placement is possible in the required jurisdictions. Need help placing an account? Connect with a market specialist.