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Workers Compensation Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a streamlined Workers Compensation Insurance program tailored to meet the needs of small and mid-sized businesses. Backed by an "A" rated carrier, this in-house program provides agents and brokers with fast turnaround times and access to a wide range of class codes and industry types. Whether you're looking to place new business or find a better fit for an existing client, Veracity makes the process simple and efficient. Target Classes and Ideal Accounts This program is designed to serve a wide variety of low to moderate-risk industries. Target industries include: Retail Shops Office Professionals Automotive Service and Repair Hospitality Light Manufacturing Importers & Distributors Restaurants With over 185 eligible class codes, Veracity’s program is well-suited for agents handling diverse commercial accounts. For example, you might have a client that operates a chain of retail boutiques, or a small machine shop with light manufacturing needs—these are excellent prospects for this program. Coverage Highlights and Program Features Access to approximately 185 class codes Premiums up to $25,000 Experience Mods up to 1.20 accepted Maximum acceptable loss ratio: 50% The program is underwritten through RTW and offers admitted coverage in all available markets. This gives you the confidence of placing your clients with a highly rated, stable insurance provider. Submission Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed Accord Application 5-Year Current Valued Loss Runs 5-Year Premium Breakdown NCCI Worksheet Minimum Premium and Underwriting Notes The program requires a minimum premium of $500, making it accessible for smaller accounts that might otherwise struggle to find cost-effective workers comp coverage. The underwriting team evaluates accounts based on mod, loss history, and industry type, with a preference for clean, stable risks. Territorial Availability This Workers Compensation program is available in the following states: AK, AZ, AR, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI. Why Choose Veracity Insurance Solutions? As a direct access provider and carrier with in-house underwriting capabilities, Veracity Insurance Solutions offers brokers the ability to place workers compensation with confidence. Our efficient quoting process, competitive pricing, and industry-focused appetite make us a smart choice for agents looking to grow their commercial book. If your client falls within our appetite, we can help you deliver the coverage they need—quickly and reliably. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include small to mid-sized businesses in retail, hospitality, office-based professions, light manufacturing, automotive repair, and food service. What is the minimum premium required for this program?The minimum premium for this program is $500, making it accessible for many small businesses. What documentation is needed to submit a risk?Required submission items include a completed Accord application, 5-year loss runs, 5-year premium breakdown, and an NCCI worksheet. Is this program available on an admitted basis?Yes, coverage is offered on an admitted basis in all available markets. How quickly can I expect a quote?Veracity Insurance Solutions is known for fast quote turnaround times, especially when complete submissions are provided. Need help placing an account? Connect with a market specialist.

Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

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Do you have a physician, surgeon or dentist being canceled, non-renewed or declined by the standard market? We are here to help with their Medical Malpractice Coverage! AP Advantage has partnered with the top E&S Medical carriers in the market place in order to provide a solution for the harder to place medical risks. We have been successful in placing those accounts with tough risk profiles such as:• Substance Abuse • Claims Activity • Licensing Issues • Higher Risk Services: Telemedicine Correctional Facilities, Mobile Medical Practices • Excess Limits when required by contract Our goal is to provide you and your clients with as many options as possible. Please reach out to us with any questions you have and learn how we can help your clients with Medical Malpractice Coverage. Please note, coverage is NOT available in NY.