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...gent-focused Contractors General Liability Insurance program designed to meet ...rt start-up contractors. Are higher liability limits available?Yes. Higher liability and umbrella limits are availabl...

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

...ld Contractors Draftsmen Elevator Consultants Environmental Risk C...uction managers, and other design professionals, including firms involved in s...

...ed risks and increasing personal liability. Without a dedicated D&O policy in ...ged with EPLI, Crime, and Fiduciary Liability depending on the client's needs ...

...staurant bars, with Property and Liability available on a mono-line or package...s. A limited assault and/or battery liability form is available with $25,000 p...

...te This program is built for professional tree trimming and arborist compani...nsation program?We’re looking for professional tree trimming and arborist oper...

...o help agents place property and liability coverage for contractors who instal... and coverages can I access?General liability primary limits are available up ...

...ects & Engineers (A&E) Professional Liability Insurance program for sm... good fit for this program?Design professionals with less than $7.5 million in...

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.

Phoenix Risk Management offers a focused Construction Workers Compensation Insurance program built for contractors working across the United States. As a Managing General Agency and Excess & Surplus Lines Broker, we give agents and brokers access to more than 20 A-rated carriers, which improves placement options for hard-to-place construction classes and multi-state exposures. Ideal Accounts and Appetite Our program targets a broad range of construction trades. Typical accounts include: Roofers Plumbers Electricians General contractors We can accommodate established operations as well as new ventures or accounts with a prior lapse in coverage. In many common classes, clients who have been in business for at least two years and maintain current coverage may qualify for guaranteed-cost options. Coverage Highlights and Advantages Guaranteed-cost workers compensation available for most general classes Competitive solutions for new ventures and accounts with prior lapses Access to multiple top-rated carriers for flexible underwriting and broader capacity Minimum premium starting at $1,500 Examples of good fits: a roofing contractor expanding into multi-state projects, or a small electrical contractor with a clean loss history seeking stable, guaranteed-cost pricing. Underwriting Requirements To request a quote, submit the following: Completed ACORD Application (signed and dated with FEIN) Completed PRM Supplemental Application (signed and dated) For the best possible pricing, include: At least 4 years (preferably 5) of currently valued loss runs (within 90 days of the effective date) 4 years of aggregate payroll data Current experience modification worksheet (if available) Detailed reports for any individual losses over $50,000 Territories and Availability This Construction Workers Compensation Insurance program is available in all U.S. states, including Washington, D.C. Whether the account operates in California, Texas, Florida, or elsewhere, Phoenix Risk Management can help identify appropriate carrier placement and appetite. Why Work With Phoenix Risk Management? Phoenix Risk Management combines deep construction industry expertise with broad market access. As an MGA and E&S broker, we handle standard and hard-to-place risks, leverage multiple A-rated carriers, and provide underwriting flexibility for complex or multi-state exposures. Our underwriters focus on pragmatic solutions to keep accounts placed and policies binding with competitive terms. Frequently Asked Questions What types of accounts are a good fit for this program?We focus on construction trades such as roofers, electricians, plumbers, and general contractors. Both established operations and new ventures can be considered, including accounts with prior lapses. Is coverage available in all states?Yes. Our program is available in all 50 states and Washington, D.C. Can you work with accounts that have had a lapse in coverage?Yes. We can consider risks with prior lapses and newly established businesses—submit full underwriting information for best consideration. What is the minimum premium for this program?Minimum premium starts at $1,500, though final pricing depends on class, payroll, loss history, and state filings. What documents are needed to get a quote?Provide a completed and signed ACORD application, the PRM supplemental application, and for best pricing, loss runs, payroll history, and any available X-Mod worksheet. Need help placing an account? Connect with a market specialist.