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... that perform routine lawn care, landscape construction, gardening, tree trimm...t fit include lawn care, gardening, landscape construction, routine tree trimm...

... History Insurance agents—placing Workers’ Compensation for businesses with poor loss hist...

Seamless Coverage for Multi-State Employers Operating across multiple states adds complexity to WC placement. Agents working with businesses spanning jurisdictions—Worksperity provides agents streamlined, compliant, multi-state WC solutions. Typical Multi-State Accounts Regional Trucking & Delivery Services Multi-Location Restaurant & Hospitality Groups Mobile Construction Companies & Contractors Field Service Providers (HVAC, Landscaping, Cleaning Services) Franchises & Chain Retailers with both full-time and gig operations Multi-State Complications That Block Placement Variable state-specific WC laws, benefits, and rate filings Multi-jurisdictional audits and state diff payroll tracking Classification inconsistencies Regulatory compliance headaches at quote and claim stages Why Worksperity Excels Here Comprehensive multi-state market partners with accurate rating Portfolio-ready solutions that aggregate across jurisdictions Expert support for audits, billing, and compliance across state lines Structured packaging simplifies quoting and risk oversight Best Fit for Agents to Submit Businesses operating in 3+ states with diverse exposure profiles Firms with centralized payroll/class tracking systems Entities actively focused on multi-state compliance improvements Operations combining full-time and subcontractor labor models Tips for Agent Success Provide clear breakdown: operations, payroll, class codes per state. Detail how multi-state operations are monitored for compliance. Highlight any central administrative or loss control oversight functions. If multi-jurisdictional audits were smooth in the past—mention it.

PROGRAM OVERVIEW A Workers’ Compensation program built for toug...ine - The client gets cost effective workers’ compensation coverage through providers and ...

Placement Solutions for Businesses with High Experience Mods EMRs significantly above 1.0 can cut off normal WC access. Agents—don’t drop those accounts. Worksperity is your bridge to markets structured for mod-heavy exposures, unlocking viable solutions. Typical High Mod Clients Construction & Specialty Trade Contractors Transportation & Warehousing Firms Manufacturing Plants with repetitive incident types Landscaping & Maintenance Service Providers Hospitality operations with claim spikes Challenges with High Mods Elevated premiums tied to poor safety track record Standard markets may reject or offer only minimal capacity Competitive quoting is scarce due to perceived risk Agents must combat mod-based pricing bias Worksperity’s Competitive Advantage Channel to markets familiar with high-mod placement strategies Underwriting flexibility backed by loss control and regain plans Partnered loss mitigation and EMR improvement services Clear pricing rationale—agents can explain what counts Best Candidates to Submit Businesses with Current EMRs > 1.25 Entities with active mod improvement efforts and documented plans Clients willing to invest in safety or claims oversight Operations offering tiered or phased coverage options Submission Tips for Agents Provide full loss run history with mod trends over 3+ years. Highlight active safety or training initiatives. Offer targeted mod improvement projects (e.g. rolling out safety tech). Be upfront: position narrative that emphasizes upward momentum.

BrownGuard® security professional insurance, developed by Brownyard Group over 50 years ago, provides specialized liability coverage tailored for the security guard industry. As one of the largest insurance providers in the U.S., Brownyard offers competitive pricing and comprehensive coverage for private security guard contractors, proprietary security guard contractors, governmental security contractors, executive protection contractors, and private security contractors for homeowners associations. BrownGuard® policies are backed by highly rated insurance carriers and are available through insurance agents and brokers at competitive premium rates.