Search CompleteMarkets

Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

Fence contractors face distinct risks because their work is mobile and often performed around active job sites and occupied properties. From hauling materials to installing posts, panels, gates and hardware, exposures differ between residential and commercial jobs. Novatae Risk Group offers a dedicated General Liability Insurance program designed to help fence contractors manage those risks and meet the insurance requirements of project owners and general contractors. Through our partnership with Empire Underwriters, Novatae provides access to a specialized solution for small- to medium-sized fence installation contractors. Whether your client installs backyard vinyl fences or handles large-scale ornamental iron projects for commercial properties, our team can help place appropriate coverage with competitive terms and responsive underwriting. Ideal Accounts and Target Appetite This program is best suited for fence contractors with annual payrolls under $1,000,000 and a focus on installation and light fabrication. Targeted classes include: Residential and commercial fence installation Wood fence installation Vinyl fence installation Ornamental iron fence installation Custom gate fabrication and installation Typical fits: independent contractors and small firms performing installation work where fencing is not part of large-scale heavy civil or extensive excavation operations. Accounts with payrolls or project scopes above program limits, significant demolition/excavation exposure, or persistent adverse loss histories may fall outside our appetite. Coverage Features and Enhancements Blanket Additional Insured endorsements Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help your insureds satisfy common contract requirements while protecting operations from third-party claims for bodily injury and property damage arising from installation activities. Submission Requirements Completed ACORD applications 3 to 5 years of currently valued loss runs Fence contractor supplemental application Pollution — project-specific application, if applicable Minimum premiums start at $1,500. Submissions are reviewed promptly by our experienced wholesale brokerage team to accelerate placement and bind decisions. Admitted and Non-Admitted Options We place coverage through both admitted and non-admitted markets, including carriers rated as high as A-XV. This flexibility helps meet state-specific requirements and contract demands across a range of risk profiles. Available States This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Why Work With Novatae Risk Group? As a wholesale broker with niche program access, Novatae Risk Group brings underwriting expertise and strong carrier relationships to each submission. We understand fence contracting operations and common contractual insurance requirements, so we help agents place business quickly and accurately. Example account scenarios: A small contractor who installs backyard vinyl and wood fences for homeowners and needs primary GL with additional insured endorsements. A regional installer providing ornamental iron fences and custom gates for commercial properties that requires per-project aggregate limits and primary/non-contributory wording. Our team assists with underwriting placement, tailoring endorsements where available, and answering coverage questions so you can compete for and close more accounts. Please contact us at 800-758-8113 to speak to our experienced brokers about your General Liability Insurance for Fence Contractors accounts. Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of accounts are a good fit for this Fence Contractors program?This program is ideal for small to medium-sized fence contractors with less than $1,000,000 in annual payroll, especially those performing residential and light commercial installation work. What coverage enhancements are available?Enhancements include Blanket Additional Insured, Waiver of Subrogation, Primary and Non-Contributory wording, Per Project Aggregate limits, and limited Subsidence and Prior Projects coverage. Which states is this program available in?The program is available in 26 states, including CA, TX, FL, GA, and IL. Contact us to confirm availability in your client's state. What are the submission requirements?Submissions should include ACORD applications, 3–5 years of currently valued loss runs, the fence contractor supplemental application, and a pollution-specific application if applicable. Is this program written on admitted paper?We offer both admitted and non-admitted options through carriers rated up to A-XV, depending on state and risk profile. Need help placing an account? Connect with a market specialist.

At Scurich Insurance Services, we understand the fast-paced demands of running a business—because we run one, too. That’s why we’ve built our Business Insurance program for Monterey Bay, CA to be as straightforward and customizable as possible. Whether your client is a small retail shop in Watsonville or a growing catering service along the coast, we help you find the right coverage options to protect their operations today and tomorrow. Ideal Accounts and Appetite This program is designed for a broad range of small to mid-sized businesses across various industries in the Monterey Bay area. We regularly work with: Retail shops and boutiques Contractors and tradespeople Restaurants and catering services Professional offices (law firms, accountants, etc.) Transportation and delivery businesses Personal services (salons, dry cleaners, etc.) If you have commercial clients with physical assets, employees, or vehicles—or who interact with the public or customers—this program can help cover their core exposures. Coverage Highlights and Advantages We offer a range of base and optional coverages to match each business’s unique risks. Standard coverage options include: Property Insurance – Helps repair or replace buildings, equipment, and inventory damaged by fire, storms, vandalism, and other perils. Liability Insurance – Protects against third-party claims of bodily injury or property damage caused by your client’s operations, products, or services. Workers' Compensation – Covers employee medical expenses and lost wages due to work-related injuries or illnesses while reducing employer liability. Business Auto Insurance – Covers business-owned or used vehicles, including liability and physical damage coverage for commercial fleets or individual autos. Business Crime Insurance – Offers protection against employee theft, burglary, forgery, and similar threats. Additional, customizable options include: Employment Practices Liability – Helps defend against claims of harassment, wrongful termination, or discrimination. Life Insurance for Business Owners – Supports succession planning and the long-term stability of the business. Umbrella Insurance – Adds extra liability protection above primary policies. Bailee Insurance – Covers damage to customers' property (ideal for dry cleaners, jewelers, etc.). Transportation and Cargo – Protects goods in transit, whether by company vehicles or third-party carriers. Spoilage Insurance – Covers perishable items lost due to power outages or equipment failures. Delivery/Catering Non-Owned Auto – Covers employees using personal vehicles for business purposes like food delivery or catering. Underwriting Notes This is a non-admitted program, providing flexibility in underwriting and customization. Submissions are evaluated based on risk profile, industry class, and operational details. While we can accommodate a wide range of businesses, we are best suited for clean to moderately complex risks. We recommend reviewing expiring policies with your clients to identify gaps or new exposures we can help address. Territories and Availability This program is available exclusively in California, with a special focus on businesses located in Monterey Bay and Watsonville and surrounding areas. Why Work With Scurich Insurance Services? With decades of experience serving California’s Central Coast, Scurich Insurance Services offers personal, hands-on service and a local perspective that national providers can’t match. We understand the regional risks, industry nuances, and unique needs of Monterey Bay businesses. Our team is here to help you tailor coverage and make placement easy, whether you’re insuring a startup or reviewing coverage for a long-established business. Already have your client covered? Great! But business needs change. Let us help you review current policies and ensure your clients stay properly protected—with the benefit of local expertise and real people ready to talk. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized businesses in Monterey Bay, including retail, professional services, food service, contractors, and transportation businesses. Is this a non-admitted program?Yes, this is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization. Can I customize coverage for unique client exposures?Absolutely. We offer a range of optional coverages such as EPLI, spoilage, cargo, and bailee insurance to tailor protection to your client’s specific risks. Is this program only available in Monterey Bay?While focused on Monterey Bay and Watsonville, the program is available throughout California. Do you offer local support for agents?Yes, our team is based locally and provides personal support to help you find the right fit for your clients. Need help placing an account? Connect with a market specialist.

At Insential, Inc., we understand that placing Commercial General Liability Insurance can be complex due to varying carrier appetites, industry classifications, and jurisdictional nuances. Our experienced team specializes in navigating these challenges to help independent agents and brokers secure the right coverage for their clients across a wide range of industries and operations. Overview of the General Liability Program Insential offers access to a wide array of General Liability Insurance markets, including both admitted and non-admitted options depending on state and class of business. We are an Excess & Surplus Lines Broker with strong market relationships and flexible underwriting capabilities. Whether you’re working with a startup operation or a multi-state business, we can help you find the right solution for your insureds. Ideal Accounts and Appetite Our program supports nearly all classes of general liability business, with special appetite for: Contractors and construction-related risks (including artisan trades) Retail and wholesale operations Light to mid-manufacturing Lessor’s risk only (LRO) and commercial real estate Hospitality and service businesses You might have a client who’s launching a new landscaping business or one who owns several retail locations—Insential can help you find the right general liability solution to meet their risk profile and budget. Coverage Highlights and Advantages Coverage terms and availability will depend on the carrier, state, and class of business, but our markets typically offer: Primary General Liability limits up to $1M/$2M or higher Products and completed operations coverage Contractual liability Optional endorsements based on industry need Excess/Umbrella coverage available when needed Underwriting Notes and Minimum Premiums Minimum premiums vary by class, state, and carrier. We strive to provide competitive solutions for both small and mid-size accounts. Our underwriting team evaluates each submission based on operations, loss history, and carrier fit. We'll help you navigate the submission process to present your client's risks clearly and efficiently. Territories and Availability Insential can place General Liability coverage in all 50 states and Washington, D.C. We work with a broad range of carriers (availability and admitted status may vary by state), ensuring flexibility and access for agents nationwide—including hard-to-place or unusual risks. Why Work With Insential? As a trusted Excess & Surplus Lines Broker, Insential brings deep market knowledge and underwriting expertise to every account. Our team is responsive, solution-oriented, and committed to helping independent agents succeed. Whether you need help placing new business, renewing a challenging account, or finding options for a niche exposure, we’re here to support you every step of the way. Check out all our storefronts for more detailed information or call Insential Inc today for help with all your Commercial General Liability Insurance needs! – 888-571-6160 Frequently Asked Questions What types of accounts are a good fit for Insential’s General Liability program?Our program is well suited for contractors, retail businesses, manufacturers, LROs, and service-based operations. We also consider harder-to-place or unique classes on a case-by-case basis. Is this coverage available in all states?Yes, Insential can offer General Liability markets in all 50 states and Washington, D.C., subject to carrier appetite and local regulations. Are both admitted and non-admitted options available?Yes, we have access to both admitted and non-admitted carriers, depending on the state and the specific risk profile of the account. What information is needed to submit an account?We typically require a completed ACORD application, supplemental forms (if applicable), loss runs, and a detailed description of operations to begin underwriting. Can you help with accounts that have prior losses or are new ventures?Yes, we consider new businesses and accounts with prior losses. Each submission is reviewed individually to determine the best available options. Need help placing an account? Connect with a market specialist.

Self-insurance for workers’ compensation is a strategic choice to retain and fund losses directly instead of transferring them to a traditional carrier. Unlike standard policies, an individual self-insurance program requires a formal plan to pay claims as they occur—using operating cash or a dedicated reserve—along with compliance steps to meet state requirements. Caitlin Morgan Insurance Services helps agents and brokers evaluate, design and place Individual Self-Insurance Workers' Compensation programs. Our team brings programmatic experience and market access to guide you through feasibility analysis, regulatory filings, actuarial review, and vendor selection so your client’s program is structured and compliant from day one. Ideal Accounts and Appetite This solution is built for larger, financially stable employers that can demonstrate strong claims and safety management. Typical fits include manufacturers, large healthcare operations, colleges and universities, and sizable service organizations with robust loss-control programs. You might have a client with 500+ employees facing escalating premiums and limited control over claims handling — an individual self-insurance program can give them transparency, control, and potential long-term savings. Coverage Highlights and Advantages Self-insurance gives your client direct control over claims administration, loss prevention, and cash flow. Key benefits include: Customizable claims handling and selection of third-party administrators (TPAs) Improved cash flow and the ability to tailor reserve management Greater emphasis on workplace safety and loss prevention initiatives Potential cost savings over time for low-loss employers Applicants must also satisfy state-specific requirements such as surety bonds, reserve funding and periodic reporting. Caitlin Morgan supports compliance, actuarial review and provider selection to help ensure a sustainable program. Underwriting Notes Each submission begins with a feasibility and financial analysis. Underwriting looks at claims history, financial strength, industry exposures, safety programs and risk tolerance. There is no fixed minimum premium published here; applicants must show the financial capacity to fund losses and meet state reserve obligations. Territories and Availability Caitlin Morgan’s Individual Self-Insurance Workers’ Compensation Solutions are available nationwide, including all 50 states and the District of Columbia. We place both admitted and non-admitted structures depending on state rules and client profile. Why Work With Caitlin Morgan Insurance Services? As a Managing General Underwriter and Excess & Surplus Lines Broker, Caitlin Morgan offers focused expertise in alternative risk solutions. We provide hands-on support through the full lifecycle—feasibility assessment, program design, regulatory submission, TPA selection and ongoing program oversight. Our market relationships and technical experience help you place complex large-account workers’ compensation programs with confidence. Contact: Gerry Dumke P: (800)723-7475, Ext. 280 [email protected] Frequently Asked Questions What types of accounts are a good fit for this self-insurance program?Large employers in industries such as manufacturing, healthcare, education and certain service sectors with strong financials and active loss-control programs are the best fit. Does Caitlin Morgan assist with claims administration for self-insured clients?Yes. We help you select and manage third-party administrators (TPAs) to ensure efficient, compliant claims handling tailored to the client’s program. What are the main advantages of self-insuring workers’ compensation?Self-insurance provides greater control over claims, improved cash flow management, stronger alignment with safety programs and potential long-term cost savings for well-managed employers. Is this program available nationwide?Yes. Caitlin Morgan supports individual self-insurance placements in all 50 states and the District of Columbia, with admitted or non-admitted options as appropriate. What financial requirements must a company meet to qualify?Applicants must demonstrate financial stability and the ability to fund claims and reserves consistent with state regulations. We perform a detailed financial and feasibility analysis for each submission. Need help placing an account? Connect with a market specialist.

Scurich Insurance Services has been serving businesses in the Bay Area since 1924. Among other business insurance coverages, we specialize in Workers Compensation Insurance for employers across the Monterey Bay area. We work with agents and brokers to place competitive, appropriately underwritten Workers Comp programs that protect employees and reduce employer exposure. Overview of the Program from Scurich Insurance Services This program is designed for independent agents who need a responsive market for California Workers Compensation accounts. Scurich combines local underwriting knowledge with long-standing carrier relationships to help you secure the right coverage and pricing for small- and mid-sized employers. Our focus is practical: get a competitive rate, help control costs, and assist you in managing the account through policy term and renewals. Ideal Accounts and Appetite Small to mid-sized employers in Monterey Bay and surrounding Central Coast communities. Target classes: retail, restaurants and food service, light manufacturing, contractors and trades, landscapers, healthcare clinics, professional services, property management, and similar low-to-moderate hazard operations. Good fit: employers with regular payrolls, reasonable loss history, and interest in loss-control or return-to-work programs. Likely not a fit: large accounts with complex, high-hazard exposures or heavy out-of-state operations without prior discussion. Coverage Highlights and Advantages Core Workers Compensation coverage for medical costs, wage replacement, and employer liability defenses. Practical underwriting that considers payroll, class codes, loss history, and experience modification to target competitive premiums. Support for loss-control and claims management to help reduce long-term costs and improve client retention. Local market expertise — underwriting and service focused on California regulatory and care patterns specific to the Monterey Bay region. Underwriting Notes and Placement Guidance When submitting, provide completed payroll detail by class code, the most recent loss runs, and information about safety or return-to-work programs. Accounts with clean or improving loss history and documented safety practices typically receive the most favorable consideration. For accounts with elevated losses, highlight any corrective actions taken and your client's plan to reduce future claims. Territories and Availability Available in CA, with emphasis on Monterey Bay and nearby Bay Area communities. If an account has multi-state operations, include those details up front — it helps underwriters evaluate placement options promptly. Why Work with Scurich Insurance Services on Workers Compensation Nearly a century of local presence and experience in the Bay Area market. Agent-focused service: underwriting guidance, competitive quoting, and help managing renewals and loss-control conversations with clients. Flexible approach to a wide range of small- and medium-sized employer classes common to the Monterey Bay economy. We will: Get you a competitive rate with the right coverage. Save you money. Help you manage your program. Common employer myths — and the realities agents can explain to clients Myth: “I only have part-time or a few employees, so I don't need Workers Comp.” Reality: Workers Compensation covers medical expenses and lost wages from job-related injuries and protects against employee lawsuits; many customers or contracts require coverage regardless of employee count. Myth: “My employees would never sue me.” Reality: Injured workers may pursue large bills for medical care and related damages. Workers Comp provides defense resources and limits employer liability exposure. Myth: “Workers Comp is too expensive; I'll pay out-of-pocket if something happens.” Reality: Severe injuries, prolonged disability, and litigation can be far costlier than coverage. Workers Comp also supports return-to-work and medical management to minimize long-term costs. Myth: “My workplace is safe; accidents won't happen.” Reality: Accidents occur even in safe environments; a single mishap can create substantial medical and liability expense. Myth: “Medical costs in Workers Comp are unmanageable.” Reality: Recent trends show medical inflation in Workers Comp has been comparable to group health; cost-containment programs and regulation have moderated growth in many areas. Scurich Insurance Services has been serving the Monterey Bay Area since 1924. To make sure your clients have this essential protection for their workers at an affordable cost, place their Workers Compensation business with Scurich through your wholesale or brokerage channels and give us a call to discuss submissions and appetite. Frequently Asked Questions What types of accounts does Scurich prefer for this Workers Compensation program?Scurich focuses on small- to mid-sized employers in Monterey Bay and nearby California communities—retail, restaurants, light manufacturing, contractors, landscapers, healthcare clinics, and similar low-to-moderate hazard classes typically fit well. What documents should I include with a submission?Provide payroll by class code, the most recent loss runs (usually 3–5 years), a description of operations, and any safety or return-to-work programs. Additional detail on subcontracting or multi-state exposure speeds underwriting. Are there common declinations or restrictions I should expect?High-hazard operations, significant out-of-state payroll, or extremely adverse loss histories may require referral or additional underwriting. Discuss borderline accounts with Scurich underwriters before submitting. How does Scurich help with account management after placement?Scurich provides underwriting support at renewal, guidance on loss-control practices, and assistance coordinating carrier resources to help contain claim costs and improve client outcomes. Need help placing an account? Connect with a market specialist.

It’s personal—and it’s serious. Professional Liability Insurance is essential for your clients who provide advice, services, or expertise to others. Often misunderstood or overlooked, this coverage becomes a top priority once your clients realize what’s truly at stake: their firm’s reputation, their employees’ livelihoods, and significant legal defense costs—even when a claim is baseless. Insential, Inc. offers access to a wide range of Professional Liability markets and understands the nuances involved in placing this sensitive coverage. As an experienced Excess & Surplus Lines Broker, Insential helps agents confidently assess exposures, identify potential gaps, and tailor coverage to meet the specific professional risks your clients face. Ideal Accounts and Appetite Insential provides solutions for a broad spectrum of professional classes, including but not limited to: Accountants Interior Decorators Advertising Agencies Law Firms Architects & Engineers Payroll Processing Services Consultants Property Managers Counseling Services Real Estate Agents & Brokers Debt Collection Services Recruitment Consultants Employment Agencies Social Services Freight Forwarders Student Blanket Graphic Design Tax Preparation / Bookkeeper Healthcare Professionals Third Party Administrators Insurance Agents & Brokers Trustees Insurance Consultants Whether your client is a solo consultant or a growing professional services firm, Insential can help you secure the right coverage to protect them from potential financial devastation stemming from professional errors, omissions, or allegations of negligence. Coverage Highlights and Advantages This program doesn’t just provide indemnity—it helps prevent claims and manage risk. Many policies include access to legal resources such as contract reviews and educational tools. Key optional coverages include: Defense Outside the Limits Aggregate Deductible First Dollar Defense Personal Injury Sublimit Bodily Injury & Property Damage Sublimit Many clients mistakenly believe their General Liability or BOP covers professional exposure. Insential helps you close those gaps with solutions tailored to high-risk areas often excluded from standard policies. Underwriting Notes and Minimum Premiums Application requirements vary depending on the class of business. Some risks may require supplemental questionnaires or detailed loss history. Minimum premiums vary and depend heavily on the applicant’s industry, services offered, and claims history. You might have a client who runs a small architectural firm or a startup advertising agency—these are ideal fits for Insential’s program. Even if they’ve never had a claim, the exposure is real, and Insential can help you build the right solution. Territories and Availability Insential’s Professional Liability Insurance program is available on a non-admitted basis in most states, with some admitted markets available. Coverage is accessible in all 50 states plus DC, including major markets such as CA, TX, NY, and FL. Why Work With Insential Insential brings strong relationships with a variety of carriers and underwriters, helping agents place hard-to-insure or niche professional risks. Their team understands the complexity of professional exposures and offers valuable guidance to help you match your client with the right coverage form and structure. From initial quotes to risk management tools and claims coordination, Insential supports you every step of the way. Partner with them to protect your clients’ reputations—and your own. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals offering services or advice, including consultants, architects, law firms, real estate agents, and more. Is this Professional Liability coverage available in my state?Yes, Insential offers this program in all 50 states plus DC. Availability may vary between non-admitted and admitted markets. What coverage enhancements are available?Optional enhancements include Defense Outside the Limits, First Dollar Defense, Aggregate Deductibles, and sublimits for Bodily Injury and Personal Injury. How do I know if my client’s BOP or GL policy already covers these exposures?Most BOP or GL policies exclude professional services. Insential can help you review the existing coverage and identify potential gaps. What information is needed to get a quote?Depending on the class, you may need a completed application, details of services provided, prior claims history, and supplemental forms if applicable. Need help placing an account? Connect with a market specialist.

The Breckenridge Insurance Services team provides deep expertise in Workers Compensation Insurance across a wide range of industries. As a wholesale broker with access to multiple A-rated carriers, we deliver comprehensive, competitive workers' compensation solutions tailored to your clients’ risk profiles. We do more than source coverage — we help agents place challenging risks, manage complex exposures, and deliver value-driven protection for both employees and employers. A properly structured workers' compensation program protects injured employees from the financial burden of work-related injuries and shields your clients from costly liability suits and regulatory exposure. With broad market access and underwriting expertise, Breckenridge helps you present a compelling solution that positions workers' comp as a strategic investment in your clients’ business continuity and workforce stability. Coverage Highlights Fast turnaround and responsive, broker-focused service Access to A-rated carriers with strong workers' comp offerings Excess workers' compensation options for self-insureds and large deductibles Solutions for tough-to-place risks, loss-sensitive accounts, and accounts with lapses Target Classes We offer access to more than 500 classification codes and specialize in placing accounts with elevated risk or prior loss history. Key target industries include: Auto recyclers and auto dealers Roofing and construction trades Heavy manufacturing operations Contractors and landscapers Property management Healthcare facilities and nursing homes USL&H (Longshore & Harbor Workers) You might have a client who runs a roofing business with prior claims, or a healthcare facility seeing rising claim frequency. Breckenridge can identify competitive placement options when other markets decline or price aggressively for exposure. Underwriting Considerations Minimum premiums vary by class, state, and carrier Loss history, payroll segmentation, and risk management practices are closely evaluated We work with both standard and non-standard risks, including accounts with lapses or prior cancellations Territories and Availability We offer workers' compensation solutions in most U.S. states, including: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Contact us to confirm availability and admitted/non-admitted options for your client’s state and account structure. Why Partner with Breckenridge Insurance Services? Breckenridge is a specialty wholesale intermediary with strong carrier relationships and a proven record of helping agents secure coverage for complex or distressed workers' comp accounts. From submission to placement and through claims support, our goal is to simplify the placement process, improve quoting outcomes, and help you deliver measurable value to your insureds. Contact us today to access top-rated workers' compensation markets and place your next account with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well-suited for higher-risk industries such as roofing, manufacturing, healthcare, auto recycling, and landscaping — especially accounts with prior claims, challenging exposures, or heavy manual labor. Can you help with accounts that have had previous losses?Yes. We specialize in tough-to-place risks and routinely work with accounts that have prior loss history, lapses in coverage, or are considered high exposure. Is coverage available nationwide?We offer workers' compensation solutions in most U.S. states. Refer to our state list above or reach out to confirm availability and market options for a specific location. What is the minimum premium required?Minimum premiums vary by class of business, state, and carrier. We’ll help you identify the most appropriate market based on your client’s payroll, class mix, and budget. Do you offer options for self-insured clients?Yes. We provide excess workers' compensation solutions for self-insured entities and large-deductible programs to help manage catastrophic exposure. Need help placing an account? Connect with a market specialist.