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Workers Compensation Insurance Program Guaranteed Cost & Large Deductible Plans Available CoEfficient Underwriters offers a focused Workers Compensation Insurance Program that helps agents and brokers place complex, higher-premium accounts with confidence. With access to multiple carriers across admitted and non-admitted markets, this wholesale program is structured for clients that require flexible underwriting and alternative risk-financing options. Ideal Accounts and Appetite This program targets industries that frequently encounter challenges finding competitive workers compensation terms. Typical appetites include: Commercial contractors Healthcare facilities (facility-based; excludes home health) Hotels and hospitality Property management companies Restaurants and food service Social service organizations Classes generally excluded from the program: Home health services PEOs and temporary staffing firms Roofing contractors Transportation and trucking risks Coverage Highlights and Advantages The program offers both Guaranteed Cost and Large Deductible structures so you can align coverage and pricing with a client’s risk tolerance and payroll scale. Key advantages for brokers include: Access to multiple carrier markets — both admitted and non-admitted options depending on state and risk Underwriting designed to handle tougher classes and higher-risk industries Dedicated wholesale brokerage support from CoEfficient Underwriters to navigate placement and carrier options Large deductible solutions for employers seeking cost containment and alternative risk financing Example accounts that fit well: a regional restaurant group with multi-state locations and 100+ employees, or a general contractor with sizable payroll operating across several states. These account types often benefit from the program’s market access and deductible options. Underwriting Notes and Minimum Premiums Minimum premium — Guaranteed Cost: $50,000 Minimum premium — Large Deductible plans: $250,000+ (varies by state and carrier) Insureds should present a solid loss history when possible and be open to alternative risk financing structures for large-deductible placements. Submission requirements will vary by class and state; reach out to your CoEfficient Underwriters market specialist for guidance on required documentation. Territories and Availability This Workers Compensation Insurance Program is available in the following states: AL, AZ, AR, DE, FL, GA, IN, KS, KY, LA, MD, MI, MS, MO, MT, NE, NV, NJ, NM, NC, OK, OR, PA, RI, SC, TN, TX, UT, VA, DC, WV Admitted and non-admitted solutions are placed depending on the carrier and the state’s available markets. Why Work With CoEfficient Underwriters As a wholesale broker with deep Workers Compensation expertise and broad market access, CoEfficient Underwriters specializes in placing complex and higher-premium accounts that may not fit standard retail programs. Their strengths include targeted underwriting for tough classes, flexibility across admitted and non-admitted carriers, and hands-on support to help you navigate submissions and structure placements effectively. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts with minimum premiums of approximately $50,000 for guaranteed cost and $250,000+ for large deductible plans. Ideal industries include contractors, facility-based healthcare (excluding home health), hospitality, property management, restaurants, and social service organizations. Is this program available on an admitted basis?Yes. Both admitted and non-admitted options are available depending on the carrier selected and the insured’s state of operations. What classes of business are excluded?This program does not typically write home health, PEOs or temporary staffing firms, roofing contractors, or transportation/trucking risks. Which states is the program available in?The program is available in the states listed in the Territories and Availability section above. Availability may vary by carrier; contact your market specialist for state-specific placement options. What carriers are included in the program?CoEfficient Underwriters works with multiple carriers across available markets. Specific carrier options depend on the risk profile and state — your market specialist can outline current carrier appetite for a given submission. Need help placing an account? Connect with a market specialist.

... government facilities Nursing homes and assisted care facilities Shop...on office buildings, schools, nursing homes, post offices, shopping centers an...