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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.

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.

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.

Insurance Program Managers Group (IPMG) offers a specialized Scrap Metal Dealers Insurance program designed to help agents and brokers place workers’ compensation coverage for businesses in the scrap and recycling industry. With access to multiple A-rated carriers and markets that can handle higher-risk accounts, IPMG delivers flexible, responsive solutions across a range of states. Ideal Accounts and Appetite This program is built for businesses that handle metal recycling, salvage, and related operations. Ideal accounts include: Scrap metal yards and collection points Auto salvage and dismantling operations Industrial recyclers and processors of metal-based materials IPMG will consider accounts with elevated experience modifications or a prior loss history and can help determine the best market placement. Typical declines include operations with severe, unresolved regulatory issues or exposures outside standard scrap metal activities. Coverage Highlights and Advantages Fast turnaround—same-day quotes available when submissions are complete Access to A-rated carriers focused on workers’ compensation for this niche Markets that will consider high-mod or distressed accounts depending on underwriting Minimum premium beginning at $5,000 The program addresses core comp exposures for scrap handlers: material handling and sorting, heavy equipment operation, transportation of loads, and shop/dismantling activities. Whether your client is a small local yard or a regional processor, IPMG offers underwriting experience and placement options tailored to these risks. Submission Requirements To obtain a quote, provide: Completed Accord application with a clear description of operations Three to four years of currently valued loss runs Current Experience Modification Rating (if applicable) Territories and Availability This workers’ compensation program is available in: AL, AR, GA, IL, IN, KS, MS, MO, NV, NC, TN, VA, and WV. IPMG leverages different markets by state to find the best fit for a given account. Why Work With IPMG? IPMG specializes in niche and complex workers’ compensation placements. Their underwriters understand the operational hazards common to scrap metal and recycling businesses and can navigate placement for accounts other markets may avoid. Agents benefit from quick responses, broad market access, and a partner comfortable with higher-mod or challenged files. Example scenarios: You have a regional auto salvage yard with heavy equipment and a recent uptick in claims — IPMG can evaluate available markets that will consider the account. A small scrap collection business needs comp coverage but has a higher mod; IPMG can help you prepare the submission and target appropriate carriers. Frequently Asked Questions What types of accounts are a good fit for this program?Scrap metal dealers, auto salvage yards, and industrial recyclers are ideal candidates for this workers’ compensation program. Can IPMG handle high mod or distressed accounts?Yes. IPMG works with markets that will consider accounts with high experience modifications or prior losses, subject to underwriting review. What is the minimum premium for this program?The program starts at a minimum premium of $5,000, though actual premiums depend on payroll, classification mix, loss history, and underwriting. What documents are required for a quote?Provide a completed Accord application, 3–4 years of currently valued loss runs, and the current experience mod (if available). Which states is this program available in?This program is available in AL, AR, GA, IL, IN, KS, MS, MO, NV, NC, TN, VA, and WV. Need help placing an account? Connect with a market specialist.