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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.

Overview of the Worker's Compensation Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. offers a flexible Worker’s Compensation placement program that gives independent agents access to multiple admitted and non-admitted markets, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. The program is designed to help you place a broad range of standard commercial risks with streamlined underwriting and competitive options for employers across many industries. Ideal Accounts and Appetite This program is a fit for most standard WC class codes. Underwriters will consider businesses with typical payrolls, reasonable loss histories, and common employer exposures. Typical fits include: Small to midsize contractors and trade contractors (note higher minimums apply for some contractor accounts) Clerical and professional service firms Light manufacturing and wholesalers Retailers, restaurants, and personal services Local trucking exposures (subject to higher minimum premium requirements) Accounts that generally need additional review or are less likely to fit include large professional employer organizations (PEOs), accounts with catastrophic loss history, or specialty risks with unusual exposures unless negotiated with an underwriting team directly. Coverage Highlights and Advantages Access to several national carriers—helpful when you need capacity or different program structures for difficult submissions. Competitive handling for moderately higher mods (see underwriting notes below) so you can keep placement options for clients with a less-than-perfect loss experience. Ability to include payroll in multiple states (up to four foreign states allowed up to 20% of payroll) which helps agents writing multistate employers. Streamlined eligibility guidelines that make it easier to submit and obtain quick decisions on routine accounts. Underwriting Notes and Minimum Premiums Underwriting is driven by class code, loss history, payroll distribution, and state exposure. Please see the program’s baseline eligibility below; these points are included in the program materials and are used by the underwriters when reviewing submissions: Accounts in most WC Class Codes are eligible for this program. Prospects with experience modifications of up to 1.35 are eligible for this program. In certain states, mod’s can be as high as 1.80. Prospects with up to 20% of their payroll in up to 4 foreign states are eligible. Prospects with standard, unmodified premium of $5,000 and more are eligible for this program, except for contractors which have a minimum premium of $6,500, ($10,000 in NY) and trucking accounts which have $10,000, minimum premium. When submitting, include five years of loss runs, current payroll projections by class code, and any certificates or safety program documentation that could improve terms. Territories and Availability This program can write business in the following states: AZ, CA, CO, CT, FL, GA, ID, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Availability may vary by carrier and by state regulatory rules; check carrier appetite for each state when placing business. Why Work With America's Internet Brokers, Inc. on Worker’s Compensation Market access to several national carriers in one program, simplifying shopping and tailoring placements to client needs. Underwriting flexibility for accounts with moderate mods and limited multistate payroll exposure. Practical eligibility thresholds and clearly stated minimums that help you quickly identify candidates for this program. Support for agents who need to move accounts efficiently—submit complete loss runs and payroll details to accelerate response. Example Client Situations Example 1: You have a local roofing contractor with a projected standard premium of $8,000 and a mod of 1.20. This program can be a practical option, subject to the contractor minimum and loss history review. Example 2: You represent a regional wholesale distributor with payroll in three states (20% of payroll out of state), standard class codes, and a clean loss record. The ability to include payroll in multiple states makes this program worth submitting. Frequently Asked Questions What types of accounts are a good fit for this Worker’s Compensation program?Most standard commercial class codes are a good fit—clerical, retail, light manufacturing, many contractors, and local trucking (subject to higher minimums). Accounts should generally meet the program’s minimum premium and documentation requirements. How high a loss modification (MOD) will the program consider?Typical eligibility is up to a 1.35 experience modification. In certain states the program can consider mods as high as 1.80, depending on carrier appetite and loss details. Can this program handle multistate payroll?Yes. The program allows up to four foreign states and up to 20% of payroll in those states. For larger multistate exposures, underwriting review is required. What documentation speeds placement and binding?Provide five years of loss runs, current payroll by class code, description of operations, and any safety or return-to-work programs. Complete submissions receive quicker underwriting decisions from the carriers on the panel. Need help placing an account? Connect with a market specialist.