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... cars and hot rods Custom or modified collector vehicles Exotic or limited-production models Kit cars and replicas (subject to underwriting)...collector vehicles, including classic cars, antiques, hot rods, muscle cars, exotics, and some kit cars or replicas—subject to underwriting...

... Classics – Newly acquired classic cars are automatically covered for up to 30...coverage for newly acquired collector cars for up to 30 days. Are racecars eligible for coverage?Yes, racecars are eligible, but only for storage,...

...sures may be declined or require modified terms. How do I submit a submission ...

...se that may be older or uniquely modified. However, policies are subject to ca... watercraft. Can you cover older or modified vessels?Yes, older and modified vessels are within the underwriti...

The advantages of working with Pride Risk include: Lower upfront costs More predictable cash flow Unmatched focus on loss control Convenience of a committed partnership Overview — PRS High Hazard/High Mod Workers' Compensation Pride Risk Solutions, Inc. offers the PRS High Hazard/High Mod Workers' Compensation program for agents who need a reliable, specialty market for difficult-to-place workers’ comp accounts. As a program administrator with access to admitted capacity (Lion Insurance Company and State National Insurance Company in CA, NY & KY), Pride Risk focuses on higher-risk classes and employers with elevated experience modifiers or past coverage gaps. Ideal Accounts and Target Classes This program is built for insureds who struggle to find affordable, admitted coverage in traditional markets. Typical classes include: Manufacturing HVAC / Sheet Metal Masonry Landscaping Electrical, Plumbing, Painting Food Processing, Bakeries, Hospitality Warehouse operations and cold storage Trucking / Transportation Retail / Wholesale and Property Management Janitorial / Residential cleaning Staffing (excluded in NY) Seasonal operations (advised upfront) Heavy construction — NY artisan construction only (request acceptable codes) Who this program helps Accounts with experience modifiers over 1.00 Employers with prior cancellations, non-renewals, or gaps in coverage Businesses with large prior losses or poor claims history that need structured loss control Prospects with few placement options outside of a State Insurance Fund You might have a client with a 1.25 X-mod in manufacturing who has been quoted only by the state fund — Pride Risk can provide an alternate admitted solution. Or you may represent a warehouse operation with a history of large claims that needs a partner focused on loss control and predictable cash flow. Coverage Highlights and Program Advantages Access to admitted carriers where available; non-admitted placements considered as appropriate Underwriting tailored to high-mod, high-hazard classes with strong loss-control emphasis Faster initial non-binding indications (1–2 business days) and structured approval timelines (3–7 business days) Simplified binding requirements to accelerate placement once approved Appetite and Common Exclusions Typical exclusions and restrictions include: Towing USL&H exposure Hazardous materials handling Accounts with greater than 25% use of part-time labor Underwriting Notes — What we need for a complete submission To obtain a competitive quote through one of Pride Risk’s appointed Managing General Agents (MBAs), provide the following documentation: ACORD 130 Complete description of operations Five years of fully valued loss runs Screenshot or copy of the experience modifier (X-Mod) Industry-specific supplemental application Target premium Typical underwriting indicators that improve placement odds include clear loss-control programs, detailed operations descriptions, and credible plans to reduce frequency and severity. Rate Quotes, Approvals and Binding Non-binding rate indications: 1–2 business days Underwriting approvals: typically 3–7 business days Required to bind: Signed ACORD 130, signed request to bind including signed proposal and signed supplemental. A $1,000 policy fee and a no-loss letter (if applicable) may also be required. Minimum premium varies by state and industry. Territories and Carriers Territories available: AL, AZ, CA, CO, FL, GA, IL, KY, LA, MD, MS, NV, NJ, NM, NY, NC, OK, PA, SC, TN, TX, VA and DC. Pride Risk places business with Lion Insurance Company and State National Insurance Company (for CA, NY & KY) where appropriate. Admitted capacity is available in many states; consult Pride Risk or its appointed MBA for state-specific admitted/non-admitted options. Why work with Pride Risk Solutions, Inc.? Program administrator experienced in placing high-mod, high-hazard workers’ comp risks. Partnership-focused approach: underwriting and loss control work together to manage severity and improve renewals. Faster indications and a streamlined binding process for time-sensitive renewals or cancellations. Support for larger wholesalers, MGAs/MGUs — appointment opportunities available for partners who meet performance expectations. Contact Pride Risk today if you want access to this program through one of its appointed MBAs. If you are a large wholesaler, MGA, or MGU and can meet performance expectations, inquire about becoming appointed. Frequently Asked Questions What types of accounts are a good fit for the PRS High Hazard/High Mod program?Accounts in manufacturing, HVAC/sheet metal, masonry, landscaping, food processing, warehouse/cold storage, transportation, and similar high-hazard classes are a strong fit — especially those with X-mods over 1.00, prior cancellations, or limited market options. What documentation is required for a complete submission?Provide a completed ACORD 130, a full description of operations, five years of fully valued loss runs, a copy or screenshot of the experience mod, any industry-specific supplemental, and the target premium. How quickly can I expect a rate indication or an approval?Non-binding rate indications are typically available in 1–2 business days. Underwriting approvals generally take 3–7 business days, depending on class and documentation completeness. Are there states or classes the program will not consider?The program excludes towing, USL&H exposure, hazardous materials handling, and accounts with greater than 25% part-time labor. Availability varies by state; consult Pride Risk for state-specific limitations. Need help placing an account? Connect with a market specialist.

...ion. Can shops with lift kits or modified suspensions be covered?Yes, accounts...

...ion. Can shops with lift kits or modified suspensions be covered?Yes, accounts...

U.S. Risk Insurance Group, Inc. partners with an A-rated carrier to offer a competitive workers' compensation market for auto service and repair operations. This program is built for agents who need flexible placement options for garages, repair shops, and mobile service providers across a broad territory. Overview of the Program The Auto Service Workers Compensation Insurance program is designed for auto service and repair risks and supports both guaranteed cost and dividend plan structures (dividend plans available in FL). U.S. Risk provides underwriting expertise, online loss runs, and practical payment options to help you place business efficiently. Ideal Accounts and Appetite Independent auto repair shops, quick lube centers, tire shops, and small fleet service operations Mobile mechanics and service providers (including limited group transportation exposures) New ventures and insureds transitioning out of PEO arrangements Examples: You might have a client who operates a two-bay repair shop with three technicians and light mobile service work, or a newer start-up tire shop seeking admitted coverage with online servicing and predictable billing. Coverage Highlights and Advantages Products: Guaranteed cost and dividend plan options (FL dividend plans) Service: Online loss runs to speed underwriting and renewals Payment plans: Direct bill and monthly self-reporting with non-working deposit Flexible underwriting for new ventures and accounts coming out of PEOs; PEO carve-outs available with required documentation Underwriting Notes and Key Restrictions $2,000 minimum premium — no stated maximum New ventures eligible Group transportation allowed but limited to no more than five employees per vehicle Lapse in coverage must be referred to underwriting No maximum experience modifier required Height and underground work limits: no more than 20 feet (approximately 2 stories) above ground and no more than 6 feet below ground 24-hour shift work exposure eligible only when it is the sole exposure PEO carve-outs: require loss history, a signed PEO/client contract and amendment, and a labor endorsement Ineligible exposures: domestic, aviation, and federal coverages; tax lien or bankruptcy Limited / Incidental / Cannot be governing state: CA, OK Territories and Availability This program is available through U.S. Risk in the following states: 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, WI. Confirm state availability and admitted/non-admitted options at submission. Why Work With U.S. Risk Insurance Group, Inc. on These Risks U.S. Risk pairs underwriting experience in the auto service niche with practical servicing tools (online loss runs and multiple payment options). The program handles common exposures for repair and mobile service shops and offers carve-out solutions for accounts leaving PEOs. Minimum premium thresholds and clear restrictions make it straightforward to determine fit quickly, helping you place eligible accounts faster. Underwriting Checklist — What to Submit Current loss runs (online loss runs accepted) Signed copy of PEO/client contract and amendment when applicable Details on any group transportation, shift work, height or underground exposures Information on lapses in coverage (refer to underwriting) Frequently Asked Questions What types of auto service accounts are a good fit for this program?Brands such as independent repair shops, quick lubes, tire shops, mobile mechanics, and small fleet service providers are a good fit — especially when exposures fall within the stated height, underground, and group transportation limits. Can I place a client coming out of a PEO?Yes. U.S. Risk accepts insureds coming out of PEOs and offers PEO carve-outs. Underwriting requires loss history, a signed PEO/client contract and amendment, and a labor endorsement. What are the payment and servicing options?Agents can offer direct bill or monthly self-reporting with a non-working deposit. Online loss runs are available to simplify underwriting and renewals. Are there minimum premiums or other submission thresholds?The program has a $2,000 minimum premium. Lapses in coverage, tax liens, or bankruptcy require referral and may make the account ineligible. Which states are excluded or restricted?The program is available in the listed states above but has limited/incidental or non-governing state restrictions for CA and OK. Confirm state availability at submission. Need help placing an account? Connect with a market specialist.