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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.

Small Account Workers' Compensation Insurance Program from Phoenix Risk Management Phoenix Risk Management (PRM) offers a specialized Small Account Workers' Compensation Program designed for agencies looking to place smaller workers' comp accounts with competitive carriers. With a premium range from $1,000 to $100,000, this program is ideal for smaller businesses across a variety of industry classes that meet specific underwriting criteria. Whether your client operates a local retail shop, small manufacturing facility, or service-based business, PRM provides access to financially strong carriers (rated A XV to B+ VII by A.M. Best) that can offer the coverage they need—even if their account is too small for traditional markets. This is a non-admitted program, and carrier details are disclosed to appointed brokers upon request. Target Classes and Ideal Accounts The PRM Small Account Workers’ Compensation Program is well-suited for agents with clients in defined industry classes that may not qualify for standard markets due to size. Ideal accounts include: Small contractors and artisan trades Light manufacturing and assembly operations Retailers and small wholesalers Professional offices and service businesses You might have a client with a clean loss history and under $100,000 in annual premium, but they're struggling to find a carrier willing to take on the risk. This program is designed for those scenarios. Program Highlights Premium range: $1,000 to $100,000 Minimum premium: $1,000 Access to financially secure carriers (A XV to B+ VII) Tailored underwriting for small accounts Available across 48 states plus DC Submission Requirements To streamline the quoting process, PRM requires a complete submission package: Signed and dated ACORD application with FEIN Signed and dated PRM supplemental application Minimum of 4 years of currently valued loss runs (within 90 days of effective date) 4 years of historical aggregate payroll data Current Experience Modification Worksheet (if available) Details on any losses over $50K Complete description of operations Bureau Inspection Report (if available) Submissions accepted no earlier than 90 days prior to the effective date Territory and Availability This program is available in nearly all U.S. states, including 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, and WY. Why Partner with Phoenix Risk Management Phoenix Risk Management is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in workers’ compensation. Their focus on small accounts, responsive underwriting, and strong carrier relationships make them a valuable partner for agents placing tough-to-place or underserved risks. With a streamlined submission process and clear underwriting expectations, PRM helps you close more business efficiently. Frequently Asked Questions What types of accounts are a good fit for this Workers’ Compensation program?Small businesses with premiums between $1,000 and $100,000 across defined industry classes such as retail, light manufacturing, and service trades are ideal. Accounts should have a clean loss history and meet underwriting criteria. Is this program admitted or non-admitted?This is a non-admitted program. Carrier names are disclosed to appointed brokers but are not advertised publicly. How far in advance can I submit an account?Submissions are accepted no earlier than 90 days before the requested effective date. What documentation is required to obtain a quote?A completed and signed ACORD application, PRM supplemental application, 4 years of loss runs, payroll history, and other underwriting data such as X-Mod and loss details over $50K are required for a quote. In which states is this program available?The program is available in most U.S. states, including all continental states and Washington, D.C., as well as Alaska and Hawaii. Need help placing an account? Connect with a market specialist.

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