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Workers Compensation Insurance Program from Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a streamlined Workers Compensation Insurance program tailored to meet the needs of small and mid-sized businesses. Backed by an "A" rated carrier, this in-house program provides agents and brokers with fast turnaround times and access to a wide range of class codes and industry types. Whether you're looking to place new business or find a better fit for an existing client, Veracity makes the process simple and efficient. Target Classes and Ideal Accounts This program is designed to serve a wide variety of low to moderate-risk industries. Target industries include: Retail Shops Office Professionals Automotive Service and Repair Hospitality Light Manufacturing Importers & Distributors Restaurants With over 185 eligible class codes, Veracity’s program is well-suited for agents handling diverse commercial accounts. For example, you might have a client that operates a chain of retail boutiques, or a small machine shop with light manufacturing needs—these are excellent prospects for this program. Coverage Highlights and Program Features Access to approximately 185 class codes Premiums up to $25,000 Experience Mods up to 1.20 accepted Maximum acceptable loss ratio: 50% The program is underwritten through RTW and offers admitted coverage in all available markets. This gives you the confidence of placing your clients with a highly rated, stable insurance provider. Submission Requirements To ensure fast and accurate quoting, please include the following with your submission: Completed Accord Application 5-Year Current Valued Loss Runs 5-Year Premium Breakdown NCCI Worksheet Minimum Premium and Underwriting Notes The program requires a minimum premium of $500, making it accessible for smaller accounts that might otherwise struggle to find cost-effective workers comp coverage. The underwriting team evaluates accounts based on mod, loss history, and industry type, with a preference for clean, stable risks. Territorial Availability This Workers Compensation program is available in the following states: AK, AZ, AR, CO, CT, FL, GA, HI, ID, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NC, PA, SC, SD, TN, TX, UT, VA, WI. Why Choose Veracity Insurance Solutions? As a direct access provider and carrier with in-house underwriting capabilities, Veracity Insurance Solutions offers brokers the ability to place workers compensation with confidence. Our efficient quoting process, competitive pricing, and industry-focused appetite make us a smart choice for agents looking to grow their commercial book. If your client falls within our appetite, we can help you deliver the coverage they need—quickly and reliably. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include small to mid-sized businesses in retail, hospitality, office-based professions, light manufacturing, automotive repair, and food service. What is the minimum premium required for this program?The minimum premium for this program is $500, making it accessible for many small businesses. What documentation is needed to submit a risk?Required submission items include a completed Accord application, 5-year loss runs, 5-year premium breakdown, and an NCCI worksheet. Is this program available on an admitted basis?Yes, coverage is offered on an admitted basis in all available markets. How quickly can I expect a quote?Veracity Insurance Solutions is known for fast quote turnaround times, especially when complete submissions are provided. Need help placing an account? Connect with a market specialist.

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J.M. Wilson offers a broad appetite for Miscellaneous Bonds, helping agents and brokers place hard-to-fit accounts with ease. Whether your client needs a common bond type or something more unique, our experienced bond department is ready to assist with fast quotes and flexible underwriting solutions. Ideal Classes for Miscellaneous Bonds Motor Vehicle Dealer Bonds Lost Securities Bonds Mortgage Broker Bonds Tax Bonds License & Permit Bonds Fidelity Bonds Fiduciary and Court Bonds Lottery Bonds Public Official Bonds Wage & Welfare Bonds Why Agents Choose J.M. Wilson for Miscellaneous Bonds Competitive pricing within industry standard Quick quote turnaround—typically within 24–48 hours for new submissions Willing to consider difficult-to-place or non-standard risks Access to both standard and non-standard carriers All markets are “A” rated Flexible submission process—we accept applications from other surety markets You might have a client who is a new auto dealer needing a Motor Vehicle Dealer Bond quickly to finalize licensing, or a business owner who has lost a stock certificate and needs a Lost Securities Bond. J.M. Wilson has the underwriting resources and market access to help you secure the right bond, even for niche or non-standard cases. In addition to Miscellaneous Bonds, our Surety team can assist with Contract Bonds and SBA bond programs. Territory and Market Access J.M. Wilson provides Miscellaneous Bonds in the following states: AL, AR, FL, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, NE, NH, NC, OH, OK, PA, SC, TN, VT, VA, WV, and WI. As a Managing General Agency and Excess & Surplus Lines Broker, we represent multiple carriers—both admitted and non-admitted—allowing us to address a wide range of bond needs. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Bonds program?We can help you place standard and hard-to-place accounts including motor vehicle dealers, mortgage brokers, public officials, and more. Can you handle difficult or non-standard bond submissions?Yes, we specialize in difficult-to-place risks and have access to both standard and non-standard surety markets. What is the typical turnaround time for quotes?We aim to provide quotes within 24–48 hours of receiving a complete submission. Do you require J.M. Wilson-specific applications?No, we accept applications from other surety companies to review your submission. What states is this program available in?This program is available in AL, AR, FL, GA, IL, IN, IA, KS, KY, ME, MI, MN, MS, MO, NE, NH, NC, OH, OK, PA, SC, TN, VT, VA, WV, and WI. Need help placing an account? Connect with a market specialist.

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New Workers Compensation Insurance Program From Phoenix Risk Management Phoenix Risk Management offers a flexible and competitive Workers Compensation Insurance Program designed for a wide range of industries and business types. Available in most states, this program is backed by a national “A” rated carrier and provides broad underwriting flexibility to help you place hard-to-fit accounts or emerging businesses with confidence. Ideal Accounts and Appetite This program is ideal for small to mid-sized businesses with at least $250,000 in payroll in the governing class code. Phoenix Risk Management welcomes a variety of industries, including new ventures, staffing agencies, and trucking operations—with specific underwriting thresholds for each. Staffing Companies: Minimum premium of $15,000 with a mandatory deductible. Trucking Companies: $25,000 minimum premium for accounts with no owner-operators. $50,000 minimum premium for accounts with up to 15% owner-operators. General Business Accounts: Must have a loss ratio between 40%–60% over the past three years. You might have a client with a growing manufacturing operation or a newly launched staffing firm—both could be a strong fit under this program’s flexible underwriting approach. Coverage Highlights and Advantages No class code restrictions – Underwriting is open to a wide range of industries. Pay-as-you-go payroll reporting – Helps insureds better manage cash flow. Deductible options – Starting as low as $1,000 per claim, with no collateral required for deductibles under $10,000. New ventures accepted – Ideal for clients launching new operations. No financials or deposits required – The only upfront cost is the first month’s payroll report. Underwriting Notes and Minimum Premiums Minimum Payroll: $250,000 in the governing class code. Minimum Premiums: As low as $2,000 depending on the account. Loss History: Preferred loss ratio between 40%–60% over the last three years. Deductibles: Available with no collateral under $10,000. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, GA, PA, OH, and WA. A full list of participating states includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why Work With Phoenix Risk Management? Phoenix Risk Management is a trusted Managing General Underwriter and Excess & Surplus Lines Broker with deep expertise in workers compensation placement. Their streamlined underwriting process, access to top-rated carriers, and flexible program design make them an excellent partner for brokers and agents looking to place a variety of WC risks. With no financials or deposits required and a national “A” rated carrier backing the coverage, this program allows you to confidently serve your clients’ workers compensation needs. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?Ideal accounts include businesses with at least $250,000 in payroll in their governing class code, new ventures, and companies with a loss ratio between 40%–60% over the past three years. Staffing and trucking companies may also qualify with certain minimum premiums and underwriting requirements. Is this program available in my state?The program is available in most states, including CA, TX, FL, NY, and many others. Please refer to the full state list or contact Phoenix Risk Management for eligibility in your area. Are there any financial requirements for submission?No financial statements are required. Additionally, no deposits are necessary—only the first month’s payroll report is needed to initiate coverage. Can new ventures apply for coverage under this program?Yes, new ventures are acceptable and welcomed under this program, provided they meet the minimum payroll and other underwriting criteria. What deductible options are available?Deductibles start as low as $1,000 per claim. No collateral is required for deductible options under $10,000. Need help placing an account? Connect with a market specialist.