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No matter where your client is located, Phoenix Risk Management provides a flexible, competitive stand-alone Workers' Compensation Insurance program designed to help you place even the most challenging risks. We give independent agents and brokers access to a broad array of Workers’ Compensation markets and coverage structures through multiple A-rated carriers. Whether you’re working with a new venture, a high-mod account, or a business with lapses in coverage, our goal is to find the right fit for your client’s needs quickly and efficiently. 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 underwrites a wide range of Workers’ Compensation classifications. With our carrier relationships, we place standard and preferred risks as well as harder-to-place business. Common fits 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 market capacity, or an established operation that had a lapse in coverage or elevated experience mods. Our program is structured to give those accounts multiple paths to placement. Coverage Highlights and Advantages Access to hundreds of WC class codes Multiple A-rated carrier options to match client needs Wide range of plan structures: guaranteed cost, deductible, loss-sensitive, and captive solutions Ability to handle complex or distressed risks, including mid-term and lapse situations Fast, responsive underwriting and placement support for brokers Underwriting Notes and Submission Requirements To start a submission, include the following: Signed ACORD application Completed supplemental application Loss runs (current year + previous 4 years preferred), valued within 90 days of the effective date Aggregate payroll history to match the loss years Minimum premiums commonly start around $500, but final minimums vary by class code, state, and other risk factors. Underwriting may request additional documentation depending on the account. Territories and Availability Our Workers’ Compensation program is available in all states, including Washington, DC. We can place admitted and non-admitted solutions depending on the client’s state and needs. Why Work With Phoenix Risk Management? Phoenix Risk Management gives independent agents access to broad carrier capacity and flexible plan designs for Workers’ Compensation. We specialize in finding placement strategies for accounts that need more than a single market — from newly formed businesses to higher-mod or distressed risks. Our underwriters move quickly, provide practical underwriting guidance, and coordinate placement across admitted and non-admitted markets. Send submissions to: [email protected] Contact us to discuss a specific account or to learn how our national Workers’ Compensation solutions can help you secure coverage for your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?We 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 that will consider higher-mod or otherwise distressed risks. What is the minimum premium for this program?Minimum premiums commonly start at $500, but they can vary by class code, state, and other risk factors. Do you offer coverage in all states?Yes. Our Workers' Compensation program is available in all 50 states plus Washington, DC, with admitted and non-admitted options as appropriate. What documents are needed to submit a risk?Provide a signed ACORD application, the supplemental application, current loss runs (valued within 90 days), and payroll history that matches the loss years. Need help placing an account? Connect with a market specialist.