Search CompleteMarkets

...zed insurance program tailored for Labor Organizations, including local, regio..., and real estate owned or managed by labor organizations. The program is best...

...atory contractors who employ union labor. This admitted, group-captive solutio...Signatory contractors employing union labor with consistent payrolls, document...

Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options. Ideal Accounts and Appetite Union and non-union contractors, including California collectively bargained union contractors. Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters. Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks. Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details. Coverage Highlights and Advantages Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers. Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement. Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit. Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures. Underwriting Notes and Minimum Premiums Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include: Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000 Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000 USL&H and Maritime Employers' Liability: Minimum premium = $125,000 in CA $75,000 in AK, OR and WA $100,000 in other states Supporting coverage available in select other states — call PointSure for details and state-by-state availability. Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms. Territories and Availability Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission. Why Work With PointSure on This Business Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures. Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper. Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions. Example Account Scenarios California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums. Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement. Frequently Asked Questions What types of accounts are a good fit for this PointSure program?Contractors with larger payrolls (including collectively bargained California union accounts) and maritime employers with USL&H exposures — shipyards, vessel operators, longshore work and marine contractors are primary targets. Which carrier writes this program and is the paper admitted?This program places admitted paper with SeaBright Insurance Company. Admitted availability is represented as All Available States, but state-by-state capacity and terms can vary. What are the underwriting minimums I should expect?Minimum premiums vary by coverage and state. Examples include $250,000 minimum for CA collectively bargained workers' compensation; $75,000 minimum in AK and HI (and $250,000 in other states) for contractor statutory WC; and USL&H minimums of $125,000 in CA, $75,000 in AK/OR/WA, and $100,000 in other states. Provide a full submission to confirm current thresholds. What submission information speeds review and quoting?Provide complete payroll breakdowns by class code, current loss runs (five years if available), details on collective bargaining where applicable, descriptions of marine operations or vessel exposure, and any written safety or return-to-work programs. Need help placing an account? Connect with a market specialist.

Can an employee sue their employer for an injury sustained on the job? Are all job related injuries covered under a Workers Compensation policy? As an employer can they tell their employee not to file a claim? There are many ins and outs when it comes to Workers Compensation and can be very complex. It can get frustrating trying to get a policy that will provide the comprehensive coverage needed to protect the employer and employees so it seems easier to avoid it all together. Unfortunately, it can’t be avoided; Workers Compensation is a state mandated requirement for most businesses, so if a business is booming and growing with employees, there is no avoiding coverage. We have partnered with carriers providing Workers Compensation to many types of insureds. These markets are designed to help agents and their clients manage, reduce and control the costs of insurance. Product Highlights: • New Ventures • Multi-State locations • Small and Large Accounts • Higher Mods Considered • All States • Flexible Product and Pricing Approach • Quick Turnaround • A- Rated Carriers • Competitive Markets Target Classes Include: • Restaurants • Artisan Contractors • Janitorial – Building Management • Professional Services Industry • Day Care Centers • Beauty Shops • Machine Shops • Wholesale and Retail Trade • Home Healthcare • Auto Service and Repair/Car Dealers • Hotel and Motels • Landscaping • Manufacturers • Communities and Utilities • Construction/Excavators • Specialty Trade Contractors • Masonry and Concrete Work • Truckers and Transportation (in limited states) Submission Requirements: • Accord 130 Application • 3 Years Loss Runs • Historical Premium • Experience Mod Worksheet • Broad Description of Operations We understand the complexity and knowledge needed for this coverage and our team of experts can provide the service to agents and their clients for Workers Compensation needs. Please contact us today!

LET CMS PUT THE PIECES TOGETHER FOR YOU! Overview — WORKERS COMPENSATION from CMS, LLC CMS, LLC is a wholesale broker offering a flexible Workers Compensation program that pairs in-house rating and binding capability with access to multiple A-rated and national carriers. This program is built for independent agents who need a dependable market for standard and challenging comp accounts. CMS provides quick turnaround, competitive commissions, and underwriting flexibility across a broad set of industries. Ideal Accounts and Target Classifications Primary target classes include: Contractors (note: $10,000 minimum premium for many contractor accounts, including new ventures) Offices and professional services Wholesalers and distributors Manufacturers Property / building managers Transportation (typically a $10,000 minimum premium) Main Street mercantiles and retail operations Other small- to mid-sized commercial risks Coverage Highlights and Advantages Access to more than 10 A-rated and national insurance companies, giving you multiple placement options. In-house rating and binding — faster quotes and the ability to bind coverage quickly when you need it. Ability to consider tougher risks, including certain loss experience modifications and mid-term situations. Competitive commission structures for agents. Underwriting Appetite & What We Will Consider CMS will consider a wide range of accounts, including: New ventures — we will review start-ups across target classes, particularly contractors and service businesses. Loss experience modification (mods) up to 1.70 — we can work with elevated loss histories where appropriate underwriting and risk control plans exist. Mid-term cancellations — we can evaluate accounts mid-term when coverage gaps or cancellations occur. Accounts that typically do not fit include very large captive programs, extremely high hazard classes without risk control, or accounts below minimum premium thresholds noted for specific classes. Underwriting Notes and Minimum Premiums Some target classes carry minimum premium requirements. In particular, contractors and transportation accounts commonly require a $10,000 minimum premium. Submission requirements vary by carrier and class; provide payroll breakdowns, loss runs, and details on subcontractor use when available to speed placement. Territories and Availability This Workers Compensation program is available in the following states: AL, CA, CT, FL, GA, IL, KY, ME, MA, MI, NH, NJ, NY, NC, PA, RI, SC, TX, VT, VA and DC. CMS works as a wholesale broker to place admitted coverage with carriers suitable for each state and account. Why Work With CMS, LLC on Workers Compensation? Wholesale expertise: CMS focuses on helping retail agents place commercial comp business that can be challenging to bind elsewhere. Speed and flexibility: In-house rating and binding capability reduces placement time and helps you close business faster. Market access: Multiple A-rated and national carriers provide options for layering, pricing, and specific underwriting needs. Service orientation: CMS evaluates new ventures, higher-mod accounts, and mid-term placement opportunities to keep your business intact. Example Account Scenarios You have a small contracting firm that recently expanded; payroll and exposure meet the $10,000 minimum. CMS can evaluate the risk, consider a new venture submission, and present A-rated carrier options. A regional wholesale distributor with a mid-term cancellation needs immediate coverage. CMS can assess loss runs and underwriting details to place the account quickly with a carrier in our panel. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?CMS targets contractors, offices, wholesalers, manufacturers, property managers, transportation, and Main Street mercantiles. The program is designed for small- to mid-sized commercial accounts and can consider new ventures and tougher loss histories up to a 1.70 mod. Are there minimum premium requirements?Yes. Certain classes—most notably contractors and transportation—commonly require a $10,000 minimum premium. Minimums may vary by carrier and state; provide full submission details so CMS can identify the appropriate market. Which states are covered and is coverage admitted?The program is available in AL, CA, CT, FL, GA, IL, KY, ME, MA, MI, NH, NJ, NY, NC, PA, RI, SC, TX, VT, VA and DC. CMS works as a wholesale broker to place admitted coverage with participating carriers in those states. What information should I include with a submission to speed placement?Provide current and prior loss runs, payroll details by class code, a description of operations and any subcontractor usage, claims mitigation or safety programs, and details on new ventures if applicable. How quickly can CMS respond and bind coverage?Because CMS offers in-house rating and binding capability and access to multiple A-rated carriers, turnaround is typically faster than market averages. Response times depend on completeness of the submission and carrier underwriting requirements. Need help placing an account? Connect with a market specialist.

... • Employer’s Benefits Liability • Labor Reimbursement coverage • Limited Work...

...te companies, public entities, and labor unions Miscellaneous Professional Liabil...

Miscellaneous Errors and Omissions Insurance Professionals across countless industries face the risk of being sued for alleged mistakes in the performance of their duties—even if they weren’t actually at fault. These claims can severely impact a professional’s reputation and financial stability. That's where Miscellaneous Errors and Omissions (E&O) Insurance becomes crucial. At Alexander J. Wayne & Associates, Inc., we specialize in helping insurance agents and brokers place hard-to-place E&O risks across a broad spectrum of professions. Overview of the Program From Alexander J. Wayne & Associates With decades of experience and access to over 40 different markets—including all major U.S. carriers and Lloyd’s of London—Alexander J. Wayne & Associates offers flexible and competitive solutions for virtually any professional liability exposure. Whether you’re working with a niche consultant or a healthcare provider with a complex history, our underwriting team is equipped to help you find the right coverage. Ideal Accounts and Appetite We have successfully placed coverage for a wide variety of professional classes, including but not limited to: Miscellaneous Professionals and Consultants Technology and IT Service Providers Real Estate Professionals (agents, property managers, consultants) Architects and Engineers Insurance Agents and Brokers Attorneys and Law Firms (especially hard-to-place risks) Medical Professionals (physicians, dentists, nurses, imaging centers) Accountants and Bookkeepers Financial Planners, Investment Advisors, and Broker-Dealers Marketing and Management Consultants We are open to reviewing virtually all professional classes—even those that fall outside the standard appetite of many markets. Coverage Highlights and Advantages We provide tailored E&O coverage designed to meet the unique needs of each profession. Key features of our offerings include: Limits ranging from $100,000 up to $10,000,000 Separate excess limits available Minimum premiums starting as low as $800 for lower limits First-dollar defense options Defense costs in addition to limits of liability Full prior acts coverage Third-party discrimination coverage Defense for fee disputes Custom coverages tailored to specific professions Group or association programs available “A” Rated carriers by A.M. Best Fast turnaround on quotes and policy issuance Underwriting Notes and Minimum Premiums Our underwriting team is highly experienced in assessing complex risks and tailoring solutions that meet your client’s unique needs. We consider a wide range of risk profiles, including new ventures and distressed accounts. Minimum premiums vary by risk class and limit, with entry points as low as $800 for smaller accounts. Territories and Availability Our Miscellaneous E&O program is available in all 50 states, plus Washington, D.C. Whether your client is based in a major metropolitan area or a rural community, we have market access and expertise to help you find the right solution. Why Work With Alexander J. Wayne & Associates? As a wholesale broker with deep experience in professional liability, we understand the nuances of E&O exposures across a wide range of industries. Our expansive market access, responsive service, and creative underwriting approach make us a valuable resource for agents and brokers looking to place challenging or niche E&O risks. Call us today to learn how we can help you place your next Miscellaneous Errors and Omissions account—especially the ones that others can’t. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous E&O program?This program is ideal for a wide range of professionals, including consultants, IT service providers, real estate agents, lawyers, accountants, and medical professionals. We are especially effective in placing hard-to-place or non-standard risks. Can you write new ventures or professionals with previous claims?Yes, we have markets that will consider new ventures and accounts with prior claims, depending on the circumstances and risk profile. What are the minimum premium requirements?Minimum premiums start as low as $800 for lower-limit policies, but actual pricing will vary based on the class of business, limits, and risk factors. Is this program available nationwide?Yes, our Miscellaneous E&O program is available in all states, including Washington, D.C. What carriers do you work with for this program?We work with all major U.S. carriers and Lloyd’s of London markets, including both admitted and non-admitted options. Need help placing an account? Connect with a market specialist.