https://completemarkets.com/company/usrisk/Professional-Services-Workers-Compensation-Insurance/
U.S. Risk Insurance Group, Inc. offers a specialized Professional Services Workers Compensation Insurance program designed to support agents and brokers in placing business for a wide range of professional services clients. Through its UPA division and a partnership with an A-rated carrier, U.S. Risk provides access to competitive markets and flexible underwriting for a variety of scenarios, including new ventures and PEO carve-outs.
Ideal Accounts and Appetite
This program is tailored for professional services operations that need workers' compensation coverage with flexible underwriting and payment options. Ideal risks include consulting firms, marketing agencies, law offices, accounting firms, IT consultants, and other white-collar or light manual professional services. New ventures are eligible, making this a great solution for startups or businesses transitioning from a PEO arrangement.
Example accounts that may be a good fit:
A newly formed architectural firm in Texas with five employees.
An established marketing agency in Florida exiting a PEO and needing standalone comp coverage.
Coverage Highlights and Advantages
U.S. Risk’s professional services workers compensation program offers:
Admitted coverage in all available states.
Guaranteed cost plans and dividend plans (available in Florida).
Online access to loss runs for easier account management.
Flexible payment options, including:
UPAY-As-You-Go
Direct bill
Monthly self-reporting with a 5% non-working deposit
Underwriting Notes and Minimum Premiums
Minimum premium of $3,000; no maximum premium.
New ventures welcome.
Group transportation is limited to five employees per vehicle.
Risks with lapse in coverage must be referred to underwriting.
No maximum experience mod.
Height/underground limits: up to 20 feet or 2 stories above ground, and no more than 6 feet below ground.
PEO carve-outs accepted with required documentation (loss history, signed PEO/client contract and amendment, labor endorsement).
24-hour shift work is eligible (with no additional exposure).
Ineligible risks include domestic workers, aviation, federal coverage, tax lien or bankruptcy situations.
Territories and Availability
This workers compensation program is available in the following states: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI.
Coverage is limited, incidental, or cannot be the governing state for CA and OK.
Why Work With U.S. Risk Insurance Group
As a leading Managing General Agency (MGA), U.S. Risk brings deep expertise in niche markets and hard-to-place workers compensation risks. With access to A-rated carriers and a dedicated underwriting team, they offer responsive service and flexible solutions for agents and brokers nationwide. Whether you're working with new ventures or clients transitioning out of a PEO, U.S. Risk provides the tools and support to help you place business effectively and competitively.
Frequently Asked Questions
What types of accounts are a good fit for this workers compensation program?Professional services businesses such as consultants, law firms, marketing agencies, and IT companies are ideal candidates, especially those with limited manual exposure.
Is this program available for new ventures?Yes, new ventures are eligible for coverage under this program, making it a strong option for startups and newly formed professional firms.
Can clients coming out of a PEO be written through this program?Yes, PEO carve-outs are accepted. Required documents include a signed PEO/client agreement, an amendment, loss history, and a labor endorsement.
What are the minimum and maximum premiums?The minimum premium is $3,000, and there is no set maximum premium.
Are there any restrictions related to employee activities?Yes, group transportation is limited to five employees per vehicle, and height/underground work is restricted to 20 feet above and 6 feet below ground level.
Need help placing an account? Connect with a market specialist.