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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.

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.

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