Search CompleteMarkets

Comprehensive Workers' Compensation Solutions from Eastern Premiere Insurance Center Eastern Premiere Insurance Center (EPIC) offers a flexible and competitive Workers' Compensation program designed to help agents and brokers place a wide range of accounts, from small new ventures to large, established operations. With access to top-rated carriers and a strong underwriting team, EPIC helps you deliver fast, reliable, and well-priced Workers' Comp solutions for your clients across nearly all industries. Ideal Accounts and Appetite This program is built to accommodate a broad range of businesses, making it easy to find a home for even your more complex or hard-to-place risks. Key appetite highlights include: New ventures and start-up operations are welcome Small businesses with minimum premiums starting around $700 Large accounts with high payroll and multi-state operations Monoline Workers' Comp placements For example, you might have a client launching a small contracting business or a real estate investor needing monoline coverage for property management staff—EPIC can quote these types of accounts quickly and competitively. Coverage Highlights and Advantages Same-day quotes available for many submissions Up to 10% commission for appointed agents Access to National Liability & Fire Insurance Co. and other top carriers New California-specific rate reductions: 10.4% in June plus an additional 12% cut effective July 1, 2005, for Monoline Workers' Comp Whether you're insuring a first-time business or a large multi-location operation, EPIC's program offers competitive pricing and fast turnaround for agents who need efficient solutions for time-sensitive accounts. Additional Program – Real Estate Building Commercial Package Lessors Risk Only Highly competitive pricing with broad coverage terms Coverage available for small to high-valued HPR buildings 24-hour quote turnaround available up to $15 million per building, covering up to 10 buildings per policy Ideal for rush escrow closing cases with high building limits Underwriting Notes and Minimum Premiums Minimum premiums vary by state and class of business, with entry points as low as $700. EPIC's underwriting team works with you to evaluate risk and find the right market, whether you're submitting a single-location retailer or a multi-state logistics company. Territories and Availability This Workers' Compensation program is available nationwide, including all 50 states and the District of Columbia. Whether your client is based in California, New York, Texas, or anywhere in between, EPIC can help you secure the coverage they need. Why Work With Eastern Premiere Insurance Center? As a trusted Managing General Agency, EPIC leverages decades of market experience and strong carrier relationships to support agents with responsive service, aggressive pricing, and flexible underwriting. Their dedication to fast quote turnaround and broad risk appetite makes them a valuable partner for agents working with businesses of all sizes and types. From monoline Workers' Comp to complex real estate packages, EPIC helps you close more business, faster. Frequently Asked Questions What types of accounts are a good fit for this Workers' Comp program?The program fits a wide range of businesses, including new ventures, small businesses, and large operations. Ideal accounts include contractors, real estate managers, retailers, and service-based industries across all states. Can I submit new ventures or start-up businesses?Yes, new ventures are welcome. Eastern Premiere Insurance Center works with agents to evaluate and place start-up risks efficiently. How quickly can I get a quote?Same-day quotes are available for many submissions, especially for monoline Workers' Comp. Complex accounts may require additional underwriting time. Is this program available in all states?Yes, the program is available in all 50 states and Washington, DC. EPIC has national reach with carrier access to support business in any state. Are commissions available for agents?Yes, appointed agents may earn up to 10% commission on Workers' Comp placements through EPIC, depending on the account and carrier. Need help placing an account? Connect with a market specialist.

Overview — PMC Insurance Group Restaurant Workers' Compensation Program PMC Insurance Group, acting as a wholesale broker, offers a dedicated Restaurant Program for Workers' Compensation Insurance designed for independent agents and brokers placing restaurant-related accounts. This program provides broad appetite across common restaurant classes and speciality food service operations, with flexible placement options and access to multiple carriers. Minimum premium starts at $2,000. What this program covers for your clients This workers' compensation program is aimed at restaurants and food-service operations that need standard workers' compensation coverage, including payroll-based limits, statutory benefit coverage, and the employer liability components common to restaurant exposures. The program helps manage the specific workplace risks in food service — slips and falls, lifting and delivery exposures, alcohol service liability (where applicable to workers' comp payroll classifications), and employee injury trends tied to kitchen and delivery work. Ideal accounts and target classes Bakery — wholesale and retail, including doughnut shops Ice cream and frozen yogurt shops Restaurant NOC and fast casual restaurants Fast food restaurants and pizza delivery restaurants (minimum 2 years in business for delivery accounts) Catering companies and dinner theatres Bars & taverns (subject to underwriting review) Franchises eligible. The program also supports middle-market accounts and dividend program structures for qualifying restaurants. Appetite, restrictions and examples PMC's appetite favors established operations with documented controls and loss history. Typical fits include single-location and small multi-location eateries with stable payroll and safety protocols. Delivery operations are eligible when the restaurant has been in business at least two years. Higher-risk accounts (for example, newly formed multi-location chains without loss history, severe prior loss patterns, or high-risk nightlife venues) may require referral or will be evaluated on a case-by-case basis. Example fits for your book: A five-year-old pizzeria with delivery drivers, written payroll consistent with prior filings, and three years of modest loss history — good candidate for standard placement under the pizza delivery class. An established catering company with steady seasonal payroll, OSHA-like safety programs, and three years of currently valued loss runs — fits the program’s appetite and may qualify for middle-market structures. Coverage highlights and advantages for brokers Access to multiple carriers through PMC’s wholesale distribution — helpful when local admitted capacity is constrained. Support for franchise operations and middle-market accounts, including dividend program options. Minimum premium thresholds suitable for small to mid-size restaurants (minimum premium $2,000). Underwriting geared toward food service exposures — faster, more relevant risk decisions compared with generalist markets. Underwriting requirements Standard submissions require a completed ACORD application, 3–5 years of currently valued loss runs, and a MOD (Experience Modification) sheet. Underwriters will review payroll splits, delivery operations, alcohol service exposures (for bars/taverns), safety programs, and any prior loss trends. Territories, admitted status and carriers Program availability: All Available Markets. PMC places business across the following states and territories: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. Carrier access is variable — PMC works with various admitted and non-admitted markets depending on state rules and specific account characteristics. Why place restaurant workers' comp with PMC Insurance Group Wholesale broker specializing in middle-market restaurant placements and dividend program options. Experienced underwriting focus on restaurant exposures — quicker, pragmatic risk evaluations tailored to food service. Flexible market access across many states with the ability to consider admitted and non-admitted solutions where appropriate. If you have a restaurant account that needs workers' compensation placement, prepare the required submission documents and present the loss history and payroll detail to PMC to get timely consideration. Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Established restaurants and food-service businesses such as bakeries, ice cream shops, fast food, pizza delivery (minimum two years in business for delivery), caterers, dinner theatres, and bars/taverns are primary targets. Franchise locations and middle-market accounts are also considered. What documents are needed to submit an account?Provide a completed ACORD application, 3–5 years of currently valued loss runs, and the account’s MOD (experience modification) sheet. Include payroll detail and any safety program documentation to speed underwriting. What is the minimum premium and are dividend or specialty programs available?The program’s minimum premium starts at $2,000. PMC can consider middle-market placements and dividend program structures for qualifying restaurants — indicate interest in these options on the submission. Which states and admitted options are available?PMC places this program across the listed states (AL through WY and DC). Capacity may include admitted and non-admitted markets depending on state regulations and the specific account; underwriting will confirm available options. How are delivery operations evaluated?Pizza delivery and similar delivery exposures are eligible when the business has at least two years in operation. Underwriters will review driver hiring practices, vehicle controls, and loss history to determine final terms and pricing. Need help placing an account? Connect with a market specialist.

Overview of the Worker's Compensation Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. offers a flexible Worker’s Compensation placement program that gives independent agents access to multiple admitted and non-admitted markets, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. The program is designed to help you place a broad range of standard commercial risks with streamlined underwriting and competitive options for employers across many industries. Ideal Accounts and Appetite This program is a fit for most standard WC class codes. Underwriters will consider businesses with typical payrolls, reasonable loss histories, and common employer exposures. Typical fits include: Small to midsize contractors and trade contractors (note higher minimums apply for some contractor accounts) Clerical and professional service firms Light manufacturing and wholesalers Retailers, restaurants, and personal services Local trucking exposures (subject to higher minimum premium requirements) Accounts that generally need additional review or are less likely to fit include large professional employer organizations (PEOs), accounts with catastrophic loss history, or specialty risks with unusual exposures unless negotiated with an underwriting team directly. Coverage Highlights and Advantages Access to several national carriers—helpful when you need capacity or different program structures for difficult submissions. Competitive handling for moderately higher mods (see underwriting notes below) so you can keep placement options for clients with a less-than-perfect loss experience. Ability to include payroll in multiple states (up to four foreign states allowed up to 20% of payroll) which helps agents writing multistate employers. Streamlined eligibility guidelines that make it easier to submit and obtain quick decisions on routine accounts. Underwriting Notes and Minimum Premiums Underwriting is driven by class code, loss history, payroll distribution, and state exposure. Please see the program’s baseline eligibility below; these points are included in the program materials and are used by the underwriters when reviewing submissions: Accounts in most WC Class Codes are eligible for this program. Prospects with experience modifications of up to 1.35 are eligible for this program. In certain states, mod’s can be as high as 1.80. Prospects with up to 20% of their payroll in up to 4 foreign states are eligible. Prospects with standard, unmodified premium of $5,000 and more are eligible for this program, except for contractors which have a minimum premium of $6,500, ($10,000 in NY) and trucking accounts which have $10,000, minimum premium. When submitting, include five years of loss runs, current payroll projections by class code, and any certificates or safety program documentation that could improve terms. Territories and Availability This program can write business in the following states: AZ, CA, CO, CT, FL, GA, ID, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Availability may vary by carrier and by state regulatory rules; check carrier appetite for each state when placing business. Why Work With America's Internet Brokers, Inc. on Worker’s Compensation Market access to several national carriers in one program, simplifying shopping and tailoring placements to client needs. Underwriting flexibility for accounts with moderate mods and limited multistate payroll exposure. Practical eligibility thresholds and clearly stated minimums that help you quickly identify candidates for this program. Support for agents who need to move accounts efficiently—submit complete loss runs and payroll details to accelerate response. Example Client Situations Example 1: You have a local roofing contractor with a projected standard premium of $8,000 and a mod of 1.20. This program can be a practical option, subject to the contractor minimum and loss history review. Example 2: You represent a regional wholesale distributor with payroll in three states (20% of payroll out of state), standard class codes, and a clean loss record. The ability to include payroll in multiple states makes this program worth submitting. Frequently Asked Questions What types of accounts are a good fit for this Worker’s Compensation program?Most standard commercial class codes are a good fit—clerical, retail, light manufacturing, many contractors, and local trucking (subject to higher minimums). Accounts should generally meet the program’s minimum premium and documentation requirements. How high a loss modification (MOD) will the program consider?Typical eligibility is up to a 1.35 experience modification. In certain states the program can consider mods as high as 1.80, depending on carrier appetite and loss details. Can this program handle multistate payroll?Yes. The program allows up to four foreign states and up to 20% of payroll in those states. For larger multistate exposures, underwriting review is required. What documentation speeds placement and binding?Provide five years of loss runs, current payroll by class code, description of operations, and any safety or return-to-work programs. Complete submissions receive quicker underwriting decisions from the carriers on the panel. Need help placing an account? Connect with a market specialist.