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We pay above average commissions with no fees! All Insurance Underwriters, Inc. (AIU) offers a competitive and flexible Staffing Workers Compensation Insurance Program designed specifically for staffing agencies across the country. Whether your client operates a small temp medical staffing firm or a large, hard-to-place staffing operation with high experience mods, AIU provides solutions that help you place challenging risks with confidence. Overview of the Program From AIU We’ve partnered with an A Rated Nationwide Carrier to deliver a robust workers' compensation program tailored to the unique needs of staffing companies. Our program supports a wide range of class codes and offers flexible payment plans, including guaranteed cost and high deductible options. With pay-as-you-go and regular installment plans available, your clients benefit from cash flow-friendly solutions and strong risk management support. Ideal Accounts and Appetite AIU is actively seeking a variety of staffing risks, including but not limited to: Temporary medical staffing companies (minimum premium $7,500) General temporary staffing firms New ventures in the staffing industry High-mod and hard-to-place accounts We understand the complexities of staffing business models and welcome submissions that may have been declined elsewhere due to claims history, class codes, or size. Coverage Highlights and Advantages Access to an A Rated Nationwide Carrier Guaranteed cost and high deductible options Monoline workers compensation coverage Pay-as-you-go and other premium payment options Worldwide coverage available Support for USL&H exposures Fast turnaround on quotes No maximum premium limits Strong claims handling support We also write hard-to-place class codes and provide solutions for accounts with premiums starting at $75,000 and up. Underwriting Notes and Submission Requirements To streamline the underwriting process, please provide the following: Completed ACORD 130 application Currently valued loss runs (within 90 days of the effective date) – 4 to 5 years depending on carrier Details of any losses over $25,000 Experience modification worksheet Supplemental application (required for staffing) Territories and Availability Available in all 48 contiguous U.S. states including CA, TX, FL, NY, IL, GA, and many others. This program provides national coverage options through a variety of carrier partners. Why Work With All Insurance Underwriters? As a Managing General Underwriter (MGU), AIU delivers deep expertise in workers compensation and staffing-related risks. Our common-sense approach to underwriting, combined with a responsive team and commission-friendly structure, makes us a reliable partner for agents and brokers nationwide. We work in a fast-paced yet enjoyable environment that prioritizes results and relationships. In addition to staffing, we also offer programs for contractors, home healthcare, trucking, restaurants, oil & gas, roofing, and more—with options for both small and high deductible plans. Click on our AIU Partner Agreement or call today to speak with one of our appointment specialists. Let AIU be your go-to market for staffing workers compensation insurance placements. Frequently Asked Questions What types of staffing companies are eligible for this program?The program accepts a wide range of staffing businesses, including temporary, medical, and hard-to-place staffing agencies. New ventures are also welcome. What is the minimum premium for this program?Minimum premiums vary by class and account size, but most staffing accounts start at $75,000. Temporary medical staffing may begin at $7,500. Are high-mod or loss-heavy accounts considered?Yes, AIU specializes in placing high-mod and challenging accounts. Loss history details and supplemental applications are required for underwriting. Which states is this program available in?This program is available in all 48 contiguous U.S. states, including CA, TX, FL, NY, and IL. What documents are needed to submit an account?Submissions should include a completed ACORD 130, current loss runs (4–5 years), supplemental application, ex-mod worksheet, and details on large losses. Need help placing an account? Connect with a market specialist.

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Construction & Contractors Insurance Program from Kaigler & Company Kaigler & Company offers a flexible construction and contractors insurance program available nationwide. Designed for accounts that are difficult to place in standard markets, the program pairs experienced underwriting with access to multiple specialty carriers to help you place complex or high-hazard construction risks with confidence. Ideal Accounts and Appetite This program fits both general and trade contractors, especially those that need a specialized market. Typical guidelines include: General contractors with substantial subcontracting (up to 95% subcontracted work) Trade contractors with limited subcontracting (generally up to 20%) Heavy construction and infrastructure contractors with elevated hazard profiles Target classes include roofing, structural steel erection, bridge/street/road and pipeline construction, excavation, millwright services, marine and wet work, cranes and rigging, and high-steel operations. Kaigler & Company will consider both small town trades and large infrastructure contractors when their exposures match the carrier appetites. Coverage Highlights and Advantages The program emphasizes primary general liability and umbrella/excess capacity tailored to construction exposures. Working with multiple carriers allows underwriters to customize limits, endorsements, and terms for operations involving hot work, work at elevation, over-water exposures, heavy equipment, or other elevated hazards. Examples of accounts that may be a good fit: A roofing contractor with prior claim activity that needs a market for renewal. A bridge contractor performing work over water that requires coordinated GL and excess limits. Underwriting Notes and Minimum Premiums Kaigler & Company focuses on “semi-tough” accounts—those that were declined or limited in standard markets but remain insurable with specialized underwriting. Artisan and tradesmen submissions generally begin at a minimum premium of $5,000. Underwriters are comfortable with detailed submissions that include loss runs, safety programs, and subcontractor oversight practices. Territories and Availability The program is available in all 50 states and the District of Columbia. Kaigler & Company can place business in coastal, inland, and remote regions by leveraging non-admitted capacity where appropriate. Why Work With Kaigler & Company? Kaigler & Company combines construction-specific underwriting expertise with access to multiple specialty markets. Their flexible approach and non-admitted options give agents more ways to place higher-risk or unusual accounts. If you need a market for complex construction exposures, Kaigler & Company aims to provide practical solutions and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for general and trade contractors, including those with higher-risk operations such as roofing, steel erection, marine work, and infrastructure construction. Is this program available in all states?Yes. Kaigler & Company offers this construction program in all 50 states and the District of Columbia. What is the minimum premium for this program?Tradesmen and artisan contractor accounts generally start at a minimum premium of $5,000. Does the program accept accounts with a high percentage of subcontracted work?Yes. The program can accommodate general contractors with up to 95% subcontracted work and trade contractors with up to about 20% subcontracting, depending on the class and other risk factors. What coverage lines are available through this program?Primary general liability and umbrella/excess coverage are the core offerings, with tailored terms for construction-specific exposures. Need help placing an account? Connect with a market specialist.