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...: Primary commercial auto liability and physical damage coverage Un...cross state lines requiring primary liability and physical damage limits not a...

...ts for Tavern Insurance: Colonial General Insurance Agency, Inc. offers a focu...s. A limited assault and/or battery liability form is available with $25,000 p...

...gage brokers and bankers Home inspectors and field investigators Land surv...appraisers, mortgage brokers, home inspectors, surveyors, and radon testers ar...

...requirement? Yes. The program generally requires a minimum premium of $20,...

UPA, offered through U.S. Risk Insurance Group, is a specialized market for placing workers’ compensation coverage for clients in the hospitality industry. Built for hotels, restaurants, resorts and related operations, this program pairs tailored underwriting with access to financially strong carriers and responsive service. Whether you represent a single-location boutique hotel or a multi-state resort group, UPA helps you secure appropriate coverage while supporting long-term risk management and claims cost control. Ideal Accounts and Appetite Hotels – including premier full-service and boutique properties Resorts and spas Bed and breakfasts Restaurants and casinos This program fits both single-location operations and multi-location, multi-state portfolios. UPA will consider accounts coming out of PEO arrangements and risks with elevated experience modification factors, which makes it a flexible option for brokers handling challenging or transitional accounts. Coverage Highlights and Advantages Monoline workers’ compensation solution focused on hospitality exposures UPAY-As-You-Go premium payment option to improve client cash flow Placement with A-rated carriers that have national reach Loss control resources — manuals, safety tips and operational checklists tailored to hospitality Experienced claims handling focused on reducing total claim costs and return-to-work outcomes UPA is positioned to give your clients more than a policy — it is a program that supports safer workplaces, stabilizes workers’ comp costs, and helps control frequency and severity over time. Underwriting Notes and Submission Requirements Multi-location and multi-state risks are welcome Accounts with higher experience mods and PEO exits are considered To submit a risk, include: Completed ACORD application 3–5 years of currently valued loss runs Mod worksheet and large account supplemental for risks with over $75,000 in annual premium Territories and Availability Available in all 50 states and Washington, DC. UPA leverages national carrier relationships to place single-state and multi-state programs. Why Work With U.S. Risk on Hospitality Workers' Comp? U.S. Risk Insurance Group is a wholesale broker with deep hospitality expertise. Through UPA you get a dedicated underwriting team, flexible guidelines for complex loss histories, and practical loss control support designed for hospitality operations. Example scenarios where UPA is a strong fit: A regional boutique hotel chain seeking consistent compensation terms across three states while improving workplace safety programs. A restaurant group transitioning off a PEO with a higher mod factor that needs access to A-rated capacity and targeted loss control. If you need help placing an account or want guidance on submission strategy, connect with a U.S. Risk market specialist who knows hospitality workers' comp. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, resorts, spas, restaurants, casinos, and other hospitality-related businesses, including multi-location and multi-state operations. Can I submit accounts with high experience mods?Yes, UPA can consider accounts with higher experience mods, including those emerging from PEO arrangements or with challenging loss histories. What documents are required to submit a risk?Submissions should include a completed ACORD application, 3–5 years of currently valued loss runs, and a mod worksheet with a large account supplemental if premium exceeds $75,000 annually. Is this program available nationwide?Yes, the program is available in all 50 states and Washington, DC, with access to national A-rated carriers. What are the key benefits for my hospitality clients?Clients benefit from strong carrier options, loss control support, flexible payment options like UPAY-As-You-Go, and proactive claims handling. Need help placing an account? Connect with a market specialist.

... the United States. As a Managing General Agency and Excess & Surplus Line...roofers, electricians, plumbers, and general contractors. Both established ope...

Unisource Program Administrators (UPA), a division of U.S. Risk Insurance Group, Inc., places a specialized workers’ compensation program to help agents write hard-to-place and higher-risk accounts. Whether you have a small business facing a high experience modification or a middle-market account with complex operations, UPA’s underwriting partnership with QBE provides capacity and flexible solutions for tough workers’ comp risks. Ideal Accounts and Appetite This program targets accounts that conventional markets often decline because of loss history, elevated experience mods, or difficult industry classes. Typical fits include: Security guard companies Construction businesses of all types Healthcare operations, including nursing homes, assisted living and senior housing Transportation-related businesses and private fleets Coverage Highlights and Advantages Guaranteed-cost workers’ compensation policies (no retrospective aftermarket) Premium financing options to help clients manage cash flow No program-wide maximum premium cap — suitable for larger, complex accounts Admitted coverage available in all eligible states Underwriting Guidelines and Submission Requirements UPA and QBE look for accounts that demonstrate improvement or strong loss-control plans, even when the current experience mod is high. To evaluate quickly, include: Completed ACORD 130 application Current experience modification worksheet Three years of currently valued loss runs Any applicable supplemental applications (e.g., transportation, healthcare) Program Tiers and Minimum Premiums Small Business Program (eQBE): For smaller accounts with a minimum premium of $5,000. Available in: AL, AR, CO, CT, DC, HI, ID, IL, IN, IA, KS, LA, MD, ME, MO, MS, NE, NV, NH, NM, NC, OK, RI, SC, TN, TX, UT, VT, VA. Middle Market Program (QBE): For larger or more complex accounts with a minimum premium of $75,000. Available in the states listed above, plus: DE, MA, MI, NJ, PA. Incidental exposure is accepted in: AK, AZ, CA, FL, GA, KY, MN, MT, NY, OR, SD, WV, WI. Why Work With U.S. Risk and UPA? U.S. Risk Insurance Group and Unisource Program Administrators combine deep program expertise with access to QBE’s underwriting and capacity. That pairing helps agents place accounts other markets decline by offering tailored underwriting, flexible tiering for small and middle-market risks, and hands-on support through placement. Example scenarios you might place through this program: A regional security firm with a high mod but documented safety improvements and strong loss control practices. A transportation fleet with prior claims and exposure in multiple states that needs admitted coverage in core territories and incidental acceptance elsewhere. Frequently Asked Questions What types of accounts are a good fit for this program?Construction, healthcare, transportation, and security guard businesses with hard-to-place workers’ comp needs—especially accounts with high experience mods or prior losses that show signs of improvement or effective loss control. What are the minimum premium requirements?The small business (eQBE) program starts at $5,000 minimum premium. The middle market (QBE) program requires a minimum premium of $75,000. Which states is this program available in?The program has broad availability across most states. Specific state eligibility depends on the program tier and account structure; review the listed territories or contact a market specialist for state-specific details. What documents are needed to submit an account?Submit a completed ACORD 130, the current experience mod worksheet, three years of currently valued loss runs, and any supplemental applications that apply to the account. Does this program offer guaranteed cost options?Yes—this program places guaranteed-cost workers' compensation policies only. Need help placing an account? Connect with a market specialist.