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... History Insurance agents—placing Workers’ Compensation for businesses with poor loss hist...

Placement Solutions for Businesses with High Experience Mods EMRs significantly above 1.0 can cut off normal WC access. Agents—don’t drop those accounts. Worksperity is your bridge to markets structured for mod-heavy exposures, unlocking viable solutions. Typical High Mod Clients Construction & Specialty Trade Contractors Transportation & Warehousing Firms Manufacturing Plants with repetitive incident types Landscaping & Maintenance Service Providers Hospitality operations with claim spikes Challenges with High Mods Elevated premiums tied to poor safety track record Standard markets may reject or offer only minimal capacity Competitive quoting is scarce due to perceived risk Agents must combat mod-based pricing bias Worksperity’s Competitive Advantage Channel to markets familiar with high-mod placement strategies Underwriting flexibility backed by loss control and regain plans Partnered loss mitigation and EMR improvement services Clear pricing rationale—agents can explain what counts Best Candidates to Submit Businesses with Current EMRs > 1.25 Entities with active mod improvement efforts and documented plans Clients willing to invest in safety or claims oversight Operations offering tiered or phased coverage options Submission Tips for Agents Provide full loss run history with mod trends over 3+ years. Highlight active safety or training initiatives. Offer targeted mod improvement projects (e.g. rolling out safety tech). Be upfront: position narrative that emphasizes upward momentum.

Protection to Meet Your Needs In recent years, the effects of storm-related flooding on homes and businesses have been catastrophic — even in regions where floods were previously rare. Flooding is a potential threat to many properties, yet standard property insurance policies typically don’t cover it. The IGP Specialty Excess Flood Program can help when the National Flood Insurance Program (NFIP) limits don’t offer sufficient protection to meet your needs. Our program provides clients access to excess flood insurance at stable, competitive rates — even in some high-risk areas that many insurers won’t cover. We work on behalf of the insurance carriers to evaluate your flood exposure, underwrite your risk, and efficiently issue policies based on your unique needs. Our ability to accurately match coverage to clients’ risks helps us keep their premiums reasonable. Using a consultative approach and sophisticated research tools, our flood analysis and placement team can accurately assess your flood-related risk and help you manage exposure. We evaluate your property using Federal Emergency Management Agency (FEMA) maps, aerial photography, wind and water projections, elevation information, and water source and flood zone data. Our program covers building, contents, and associated loss of income coverage, with limits up to $25 million per policy.

...Place Industries When it comes to Workers’ Compensation coverage, some industr...sential tools to place high-exposure Workers’ Compensation risks. We connect you to specia...

... a specialized Healthcare related Workers' Compensation Insurance program desi... in all states?Yes, MPG's healthcare workers' comp solutions are available in ...

... a specialized Healthcare related Workers' Compensation Insurance program desi... in all states?Yes, MPG's healthcare workers' comp solutions are available in ...

...nding work. These conditions make Workers Compensation Insurance essential for...e has experience placing multi-state Workers Compensation risks and can coordinate admitt...

...ng it critical to have a tailored Workers Compensation solution in place. Nova... ventures and accounts with no prior Workers Compensation coverage are eligible for consi...

...p offers a focused USL&H - Marine Workers Comp program to help agents place ch...O solution?No. This is a traditional workers' compensation program (not a PEO). Policies a...

... Manufacturers Masonry ...e exposures and can provide tailored Workers Compensation solutions across state lines. W...