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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.

Residential Carpentry Workers Compensation Insurance from IPMG Insurance Program Managers Group (IPMG) offers a focused Workers Compensation program for residential carpentry operations. Built for independent agents and wholesale brokers, this solution helps you place start-ups, established contractors, and higher-risk accounts by providing access to multiple A-rated (or better) carriers and flexible underwriting tailored to residential construction exposures. Ideal Accounts and Appetite This program is targeted to residential carpenters and select framing contractors. IPMG will consider: Residential carpentry and framing contractors Start-up operations with a documented business plan and basic controls Accounts with elevated experience modification factors Clients with prior losses where loss runs and explanations are provided Typical fits include a small framing crew starting under new ownership or an established residential carpenter looking for broader market access after challenging loss experience. Coverage Highlights and Advantages IPMG places business with carriers that understand the unique risks of residential job sites—fall exposures, repetitive-motion injuries, and subcontractor relationships. Key advantages for you and your clients include: Access to multiple admitted and non-admitted markets to improve placement opportunities Ability to consider higher-mod accounts and those with documented prior losses Underwriting teams experienced in construction risks and responsive service to help move submissions Underwriting Notes and Minimum Premiums To help speed quoting, include the following with every submission: Completed ACORD application with a clear description of operations and payroll allocation Currently valued loss runs (when applicable) and explanations for prior claims Current experience modification rating (if available) The program’s minimum premium starts at $5,000. Final pricing will depend on factors such as payroll, assigned class codes, loss history, and state rules. Territories and Availability IPMG writes Residential Carpentry Workers Compensation across a broad footprint. We currently write business in the following states: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MD, MI, MN, MO, MS, NC, NE, NV, OK, PA, RI, SC, SD, TN, TX, UT, VA, WI, WV, DC. We can place accounts in admitted or non-admitted markets depending on the account needs and carrier appetite. Why Work With IPMG? As a wholesale broker, IPMG brings targeted construction expertise and broad market access to help you place difficult or startup carpentry accounts. Our underwriters work with agents to tailor submissions, identify the best market fit, and move business quickly. If you need to place a higher-mod account or a contractor with prior losses, IPMG provides the markets and service to improve placement success. Example scenarios you can place through this program: A small residential framing crew under new ownership that needs its first workers comp policy and can provide a business plan and payroll estimates. An established residential carpenter with an elevated mod and prior claims seeking broader market access and underwriting flexibility. Use IPMG when you need construction-savvy underwriting, multiple carrier options, and support placing residential carpentry workers compensation risks. Frequently Asked Questions What types of accounts are a good fit for this program?Residential carpentry contractors, including framing operations with prior workers’ comp coverage, start-ups with a clear business plan, and accounts with higher experience modification factors. Do you accept start-up residential contractors with no prior coverage?Yes. Start-ups are eligible when they meet basic underwriting requirements and submit a detailed ACORD application and supporting documents. What documentation is required for a submission?Provide a completed ACORD application with an operations description, currently valued loss runs if applicable, payroll details and class codes, and the current experience modification rating when available. What is the minimum premium for this program?Minimum premium starts at $5,000. Final pricing will reflect underwriting factors such as payroll, class codes, and loss history. In which states is this program available?This program writes in over 40 states, including CA, TX, FL, IL, and many others. Contact IPMG for availability in a specific state. Need help placing an account? Connect with a market specialist.

For more than 15 years, Insurance Program Managers Group (IPMG) has served as a trusted wholesale broker for agents and brokers placing Workers Compensation Insurance. With deep underwriting experience across a wide range of industries and access to multiple A-rated carriers (admitted and non-admitted as available), IPMG helps you secure competitive, tailored coverage for clients with routine and more challenging exposures. Ideal Accounts and Target Industries IPMG has the underwriting expertise and market access to handle a broad spectrum of Workers Compensation classes. Our appetite includes, but is not limited to: Contractors and construction-related businesses Healthcare providers and facilities Manufacturing operations Auto dealerships and service centers Trucking and transportation firms We routinely consider accounts with elevated experience modification factors, complex loss histories, and other loss-challenged characteristics that can be difficult to place in standard markets. Example: You might have a client operating a regional trucking company with a 1.45 mod and prior losses—IPMG can compile submissions to multiple carriers and help you explore competitive placement options while addressing underwriting questions up front. Program Highlights and Value-Added Services Access to multiple A-rated carriers (admitted and non-admitted where available) Minimum premiums starting around $500, with capacity for accounts sized to $1M+ Same-day quoting available on many classes when you supply a complete submission Wide range of eligible class codes and flexible underwriting for complex risks Markets that will consider high-mod and otherwise challenging accounts Monthly reporting and other policy servicing options Competitive commissions for agents Additional risk management services available to help control losses and improve safety Submission Requirements To help us deliver fast, accurate indications and bindable quotes, include the following with your submission: Completed ACORD application with a clear description of operations 3–5 years of currently valued loss runs Current experience modification rating (if applicable) Providing clear payroll breakdowns and a summary of any loss control efforts or return-to-work programs will improve placement results. Territories and Availability IPMG offers Workers Compensation solutions in most U.S. states. We are actively writing business in over 45 states and Washington, DC, including: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WI, WV, DC. Carrier availability and program structure may vary by state. Why Partner With IPMG? IPMG focuses on getting difficult and standard Workers Compensation accounts placed quickly and competitively. Our team provides responsive underwriting, broad broker relationships, and workflow support so you can win new business and retain clients. We combine market access with practical risk management resources to help control cost and improve renewal outcomes. Frequently Asked Questions What types of accounts are a good fit for IPMG's Workers Compensation program?We write a wide range of classes, including contractors, healthcare providers, manufacturers, dealerships, and trucking companies. We also consider higher-mod or loss-challenged risks that standard markets may decline. What is the minimum premium for this program?Premiums generally start around $500 and scale based on class, payroll and exposure. We handle accounts from small businesses up to $1M+ premium size. How quickly can I get a quote?Same-day quotes are available for many classes when you submit a complete package: ACORD application, current loss runs, and experience mod (if applicable). Which states are eligible for this program?IPMG is active in most states, including CA, TX, FL, NY and many others—carrier options and program structure vary by state. Does IPMG offer risk management support?Yes. We can connect you and your clients with additional risk management services designed to improve workplace safety and control claims cost. 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.

At Insurance Program Managers Group (IPMG), we offer a focused Trucking Workers' Compensation Insurance program to help agents and brokers place long- and short-haul trucking accounts. With access to A-rated carriers and fast turnaround on complete submissions, IPMG delivers workers' comp solutions tailored to the driver and fleet exposures common in transportation—across a broad set of states and multistate operations. Ideal Accounts and Appetite This program fits transportation risks for both long-haul and short-haul fleets. We place independent owner-operators, small to mid-sized fleets, and regional carriers—including accounts with higher experience modification ratings or difficult loss histories. We also handle mixed fleets (owned and leased vehicles) and operations with multistate payrolls and exposures. You might have a client who recently expanded into interstate routes or one whose mod rose after prior claims—IPMG can help you find markets for those tougher-to-place accounts. Coverage Highlights and Advantages Workers' compensation coverage tailored for trucking, addressing driver-specific exposures and classifications Markets that will consider accounts with elevated experience mods Same-day quoting available when you submit a complete package Access to A-rated carriers experienced in transportation and trucking risks Underwriting Notes and Submission Requirements To provide a quick and accurate quote, a complete submission should include: ACORD application with a clear description of operations and driver duties 3–4 years of currently valued loss runs Current experience modification rating (if available) Minimum premium begins at $5,000, which makes the program practical for a range of fleet sizes. Territories and Availability IPMG can write Trucking Workers' Compensation in the following states: AL, AK, AZ, AR, CT, FL, HI, ID, IL, IN, IA, KS, LA, MD, MA, MS, MO, NE, NV, NM, NY, NC, OK, PA, RI, SC, TN, TX, UT, VA, DC, WV, and WI. Our broad geographic footprint supports placement of multistate trucking operations. Why Work With IPMG? IPMG is a program administrator with deep experience in niche markets such as trucking. We focus on efficient underwriting, responsive service, and access to competitive A-rated markets. Our team works with agents to place accounts that may not fit standard underwriting boxes, helping you secure coverage for clients with complicated exposures. Visit our Trucking Insurance program page to learn more or view our full company profile here. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong fit for both long-haul and short-haul trucking operations, including fleets with higher experience modifications or challenging loss histories. What is the minimum premium for this program?The minimum premium starts at $5,000, making the program suitable for small to mid-sized trucking operations. What information is needed to get a quote?Provide an ACORD application with operations detail, 3–4 years of currently valued loss runs, and the current experience mod rating if available. Are same-day quotes available?Yes — IPMG offers same-day quotes when you submit a complete package. In which states is the program available?The program is available in more than 30 states, including TX, FL, IL, and NY, among others listed above. Need help placing an account? Connect with a market specialist.