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Workers Compensation Insurance for Garbage Haulers from IPMG Insurance Program Managers Group (IPMG) offers a specialized Workers Compensation program tailored to the risks faced by garbage haulers and waste removal businesses. Designed for both commercial and residential operations, this program helps agents place challenging accounts with access to multiple markets and underwriters who understand the unique exposures of the industry. Ideal Accounts and Appetite This program is a strong fit for garbage haulers and waste removal contractors with at least two years of prior workers compensation coverage. IPMG considers accounts with elevated experience modification factors and can handle a range of operations—from small residential pickup services to regional fleets of roll-off and rear-loader trucks. Examples of suitable accounts include: A regional hauler providing residential curbside pickup across several counties. A commercial waste management firm handling refuse collection for industrial and retail clients. Coverage Highlights and Advantages IPMG combines wholesale brokerage expertise with deep workers compensation knowledge to place accounts where traditional markets may struggle. The program focuses on practical placement solutions to protect employees who perform heavy lifting, operate collection vehicles, and work in collection and disposal environments. Key benefits: Access to admitted and non-admitted markets as appropriate for the risk and state. Ability to consider high experience modification ratings. Responsive underwriting and quoting to help you get timely decisions for clients. Supportive service for both agents and insureds throughout placement. Underwriting Notes and Minimum Premiums To streamline submissions and improve placement success, IPMG typically asks for the following: Minimum premium threshold of $20,000. At least two years of prior workers compensation coverage. Complete submission packet including: Accord application with a clear description of operations and vehicle counts. Currently valued loss runs (if applicable). Current Experience Modification Rating (if applicable). IPMG will evaluate operations, payroll distribution by class code, fleet makeup, and loss history to determine the best market fit. Both admitted and non-admitted placements are available depending on state eligibility and carrier appetite. Territories and Availability This workers compensation program is available in the following states: AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Why Work With IPMG? As a wholesale broker focused on workers compensation, IPMG provides agents with market access and technical underwriting support to place difficult garbage hauler risks. Their experience placing accounts with higher experience mods and their relationships across admitted and non-admitted carriers help you secure competitive solutions for your clients. You might approach IPMG when you have a client who has been declined by standard markets due to a poor loss history or large fleet size, or when you need multiple market options quickly to compare terms. IPMG’s responsive quoting and service model are designed to help you close placements efficiently. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program? Garbage haulers involved in commercial or residential waste removal with at least two years of workers compensation coverage are ideal. The program also considers accounts with higher experience modification factors. Is there a minimum premium requirement? Yes. The program generally requires a minimum premium of $20,000. What do I need to submit for a quote? Provide a completed Accord application describing operations, currently valued loss runs (if available), and the current Experience Modification Rating (if applicable). Vehicle counts and payroll by class code are helpful. Which states is this program available in? IPMG’s garbage hauler workers comp program is available in AL, AR, AZ, CT, FL, GA, IL, IN, KS, KY, MO, MS, NC, NV, PA, SC, TN, and VA. Does IPMG work with both admitted and non-admitted markets? Yes. IPMG has access to both admitted and non-admitted carriers and will seek the best placement based on the client’s risk profile and state eligibility.

U.S. Risk Insurance Group, Inc. offers a specialized Construction Workers Compensation Insurance program underwritten through UPA, a managing general agency with more than a decade placing workers’ compensation coverage for construction clients. This program is tailored for agents and brokers who need dependable markets for hard-to-place or high-mod construction accounts across a broad geographic footprint. Ideal Accounts and Appetite UPA focuses on higher-risk and hard-to-place construction classes that often fall outside the appetite of standard carriers. This program is a strong fit for: Heavy civil and heavy construction contractors Roofing and exterior contractors Multistate construction companies and contractors with operations in multiple jurisdictions Accounts with elevated experience modification factors but primarily low-severity loss histories Specialty or niche trades with complex or unusual exposures Whether you represent a roofing contractor working in several states or a grading and excavation firm with frequent minor claims that drive a higher mod, UPA provides options when standard markets decline or decline to quote. Coverage Highlights and Advantages UPA partners with financially strong, A-rated carriers to deliver reliable workers’ compensation coverage tailored to construction exposures. Program advantages include: Underwriting flexibility for hard-to-place risks Underwriters with construction-specific expertise who can assess nuanced loss histories and operational complexity UPAY-As-You-Go payroll option to align premium with actual payroll and help manage client cash flow Premiums calculated on real-time payroll to reduce audit surprises and overpayments The UPAY-As-You-Go feature is useful for employers with fluctuating payrolls or seasonal crews because premiums move with payroll activity, reducing audit adjustments at policy term. Underwriting Notes and Minimum Premiums UPA’s underwriting team applies construction-focused judgment to evaluate accounts with unusual operations or mixed loss experience. While the program does not state a universal minimum premium, competitive terms rely on complete submissions and evidence that the insured is actively managing safety and loss control. Provide detailed payroll, class code breakout, loss runs, and description of safety programs to accelerate evaluation. Territories and Availability The Construction Workers Compensation Insurance program is available in nearly all U.S. states, including major markets such as TX, CA, FL, NY, IL, and PA. UPA can write multistate operations and accommodate accounts with diverse geographic footprints. Why Work With U.S. Risk and UPA U.S. Risk and UPA combine deep construction industry knowledge, strong carrier relationships, and a hands-on underwriting approach to help agents place challenging construction accounts. With over 10 years of focused experience in construction workers’ comp and a dedicated underwriting team, UPA is positioned to provide practical solutions for accounts that need a specialized market. Frequently Asked Questions What types of accounts are a good fit for this program? This program targets hard-to-place construction risks, including heavy construction, roofing, multistate operations, and accounts with high mods but low-severity losses. Is this program available in all states? The program is available in most U.S. states, including major markets like TX, FL, NY, and CA. Multistate operations are also eligible. What carriers support this program? UPA partners with financially strong, A-rated carriers to provide reliable workers’ compensation coverage for construction clients. What is UPAY-As-You-Go and how does it help clients? UPAY-As-You-Go is a payroll-based premium solution that calculates premiums on actual payroll, helping clients manage cash flow and reduce audit discrepancies. Does UPA write accounts with high experience mods? Yes. UPA considers accounts with elevated experience modification factors—particularly when losses are low severity—and offers underwriting tailored to the account's risk profile. Need help placing an account? Connect with a market specialist.