Search CompleteMarkets

Overview of the Program from Amwins Underwriting APU's AmeriComp workers’ compensation program through Amwins Underwriting provides access to multiple admitted markets with a broad class-code appetite. The program offers both direct access and binding authority for its carrier partners, allowing wholesale brokers and agents to place mono-line workers' compensation accounts across a wide range of industries and risk levels. Ideal Accounts and Appetite This program is designed for independent agents and brokers looking to place employer-paid workers’ compensation for clients that range from low- to high-hazard operations. Target classes include: Manufacturing Hospitality Transportation Construction Wholesale Healthcare Retail Service Cannabis AmeriComp is set up to handle standard risks as well as harder-to-place accounts such as new ventures, accounts with recent loss activity (credit to debit experience modification scenarios), and businesses seeking either guaranteed-cost or loss-sensitive programs. USL&H (United States Longshore and Harbor Workers) coverage is available where appropriate. Coverage Highlights and Advantages Broad admitted-market access—several admitted carriers participate in the AmeriComp WC program. Binding authority and direct placement options speed turnaround and reduce placement friction. Support for both guaranteed-cost and loss-sensitive program structures. Ability to consider accounts with credit-to-debit experience modification scenarios and new ventures. Industry breadth from retail and service to higher-hazard manufacturing and construction accounts. USL&H available for applicable exposures. Underwriting Notes and Submission Requirements To evaluate submissions quickly and accurately, underwriters typically request the following: Completed industry standard workers’ compensation application. Loss runs for the past 3–5 years. Experience modification worksheet or verification of the current EMR. Minimum premium varies by state; pricing and program options will be quoted based on class mix, payroll, loss history, and state jurisdiction. Please do not include payroll or premium estimates on incomplete applications—attach the requested loss runs and EMR to help expedite underwriting. Territories and Admitted Status The AmeriComp program partners with admitted carriers and is available across all states listed on this storefront, with admitted placements available in most territories. Availability and specific carrier appetite may vary by state and line size; please reference the state list when preparing submissions and confirm availability for your insured’s jurisdiction. Why Work with Amwins Underwriting on This Business Amwins Underwriting combines wholesale distribution experience with program-level access to admitted carriers and binding authority—giving agents a single point of contact for a wide range of classes and program structures. The firm’s underwriting flexibility makes AmeriComp a practical solution when you need admitted paper, faster binding, or creative structuring for clients that fall outside a standard appetite. Example placement scenarios You have a regional restaurant group expanding into a new state with multiple locations and typical hospitality class codes — AmeriComp can provide admitted carriers and options for guaranteed-cost or loss-sensitive arrangements. You represent a small manufacturing facility with a recent unfavorable loss year but stable safety controls; the program will consider credit-to-debit EMR situations and new-venture submissions with appropriate supporting documentation. To submit business, please send complete packages (application, 3–5 years loss runs, EMR) to: [email protected]. If you need clarification on state availability or program fit before submitting, include a brief risk summary in your email. Frequently Asked Questions What types of accounts are a good fit for the AmeriComp mono-line workers’ compensation program?Accounts across manufacturing, hospitality, transportation, construction, wholesale, healthcare, retail, service, and cannabis are primary targets. The program also considers new ventures and accounts with credit-to-debit experience modification issues. What documents should I include with a submission?Include a completed industry-standard workers’ compensation application, 3–5 years of loss runs, and the experience modification worksheet or verification. More complete submissions help speed underwriting and placement. Is this program admitted or non-admitted paper?AmeriComp partners with several admitted carriers and places admitted paper in most jurisdictions. Specific carrier availability and admitted options depend on state and account characteristics. Are loss-sensitive programs available?Yes. The program supports both guaranteed-cost and loss-sensitive programs, and underwriters can evaluate alternative structures for larger or more complex accounts. How do I submit a risk or get a preliminary fit check?Email a brief risk summary and the required documents to [email protected]. For fast pre-submission feedback, include class mix, payroll, current EMR, and a short loss history overview. Need help placing an account? Connect with a market specialist.

Workers Compensation Insurance for Printing and Publishing Accounts U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation insurance program tailored for the unique needs of printing and publishing businesses. Through its UPA division, this program is backed by an A-rated carrier and designed to provide competitive solutions for agents seeking to place risks in this niche industry. Ideal Accounts and Appetite This program is designed for small to mid-sized printing and publishing operations, including commercial printers, digital print shops, newspaper publishers, magazine publishers, and related businesses. UPA can accommodate new ventures and insureds transitioning out of Professional Employer Organizations (PEOs), with carve-out options available. Example placements might include a local commercial printing company with 10 employees or a regional magazine publisher looking to exit a PEO relationship. Coverage Highlights and Advantages Guaranteed cost plans available Dividend plans offered in Florida Online loss run access for agent and client convenience UPAY-As-You-Go and other flexible payment options Monthly self-reporting with only a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium: $3,000 (no maximum premium) New ventures are eligible Group transportation is limited to five employees per vehicle Accounts with lapse in coverage require underwriting referral No maximum experience mod Height/underground restrictions: max 20 feet above ground or 2 stories; max 6 feet below ground PEO carve-outs available with supporting documentation (loss history, signed contracts, labor endorsement) 24-hour shift work exposure is acceptable, provided no other restricted exposures are present Accounts with domestic, aviation, or federal exposures are ineligible Businesses with tax liens or undergoing bankruptcy are ineligible Territories and Availability This Workers Compensation program is available in most states, including 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, and WI. Coverage is limited, incidental, or cannot be the governing state in CA and OK. Please consult underwriting for specific eligibility in these states. Why Work With U.S. Risk Insurance Group? U.S. Risk Insurance Group is a trusted Managing General Agency (MGA) with extensive experience in niche programs. The company’s UPA division offers agents and brokers access to competitive Workers Compensation options backed by strong carrier relationships, responsive underwriters, and flexible solutions for accounts that may not fit standard markets. If you're working with a printing or publishing client and need a reliable Workers Comp solution, this program offers the underwriting flexibility, pricing options, and support you need to win and retain the business. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial printers, digital print shops, newspaper and magazine publishers, and related businesses in the printing and publishing industry are ideal candidates. Can new ventures be considered for coverage?Yes, new ventures are eligible under this Workers Compensation program from U.S. Risk Insurance Group. Is coverage available for clients exiting a PEO relationship?Yes, the program supports insureds coming out of PEOs and offers carve-out options with proper documentation. What are the payment options for this program?Agents can offer clients UPAY-As-You-Go, direct bill, or monthly self-reporting with a 5% non-working deposit. Are there any geographic restrictions for this program?The program is available in most states, but coverage is limited or cannot be governing in California and Oklahoma. Need help placing an account? Connect with a market specialist.