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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.

There are over 47 million uninsured and upward of 100 million under-insured people in America today, many of whom find it difficult to afford the prescription medications they need. Even people who have insured pharmacy benefits now face a growing list of prescriptions no longer covered. We can help, and so can you. Help your clients/members help themselves by giving them the opportunity to save on the medications through the Way2SaveRX prescription drug discount program. The Way2SaveRX card is easy to use; simply print your personalized card from the Way2SaveRX website, present the card to the pharmacist along with their prescription and start saving immediately! The pharmacist calculates the discount and the member pays the discounted price on the spot, it’s that simple. With the Way2SaveRX discount prescription drug card, your entire household is eligible to receive: •Discounts on both brand name and generic medications •Average savings of 22%, with potential savings of up to 50% (based on national program savings data) •Over 53,000 national and regional pharmacy chains participate as well as independent pharmacies •No deductibles or claims forms to complete •Online price checker and low price pharmacy locator •Healthcare information and coupons for additional special offers on over-the-counter pharmacy products •Outstanding customer service – Toll-free 800# to speak with a friendly and knowledgeable Customer Care Representative when they need to ask questions and get answers about their prescriptions

The most Powerful distribution platform. Proven. Effective. We know that every client of ours is unique, with unique goals, challenges, strengths and weaknesses. Once we get to know a client, we go to great lengths to customize our approach to achieve maximum results. We employ sophisticated strategies surrounding - Search Engine Optimization (Storefronts) Email Marketing Social Media Marketing Review/Testimonial Generation (Referrals) Content/Value Marketing We work 'with' our clients, not 'for' our clients. We cannot work with everyone, or create successful strategies for everyone. For clients that do take our expert guidance and feedback we generate unprecedented success.

...aries, paging services, printers/printing firms (non-financial), public relati...and brokers. Can this program cover services provided online?Yes, the policy includes coverage for professional services rendered over the internet, a key...

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...ffers a specialized Professional Services Workers Compensation Insurance progr...s compensation program?Professional services businesses such as consultants, l...

... Paging services Printers/printing firms (non-financial) Public rel...lication and a clear description of services provided. Additional documentatio...