https://completemarkets.com/company/pmcinsurance/Workers-Compensation-Insurance/
At PMC Insurance Group, we provide independent agents and brokers with direct access to an extensive panel of workers' compensation markets. Whether you’re placing small-business artisan accounts or middle-market risks, our underwriting team and carrier relationships help you secure the right structure — from guaranteed-cost policies to retrospective and large-deductible programs — with responsive service throughout placement and binding.
Ideal Accounts and Appetite
This Workers Compensation Insurance program is built for a broad mix of industries, with a focus on accounts that show favorable loss experience and documented risk controls. We handle both low-premium and higher-premium placements and offer flexible solutions for middle market accounts over $100,000 in premium.
Target classes include (minimum premiums shown where applicable):
Small artisan contractors – Carpentry, plumbing, electrical (minimum premium commonly shown at $2,500)
Construction – General contractors and specialty trades (minimum premium commonly shown at $10,000)
Short-haul trucking – Local and regional haulers (minimum premium commonly shown at $2,500)
Healthcare services – Home health, assisted living, hospice (starting at $2,500)
Nursing homes and social services – Nursing homes (minimum premium $75,000), social services (minimum premium $5,000)
Staffing firms – General and medical temp staffing (minimums commonly shown at $75,000 and $7,500)
Non-emergency medical transportation – (minimum premium commonly shown at $7,500)
Energy sector risks – Includes options for additional lines (minimum premium commonly shown at $25,000)
Note: Minimum premiums shown above are illustrative for certain classes. Program minimums often start around $2,000 for many small-business classes, but specific minimums vary by class, carrier, and state.
Coverage Highlights and Advantages
Access to a wide network of national and regional carriers for admitted and non-admitted placements
Multiple policy structures: guaranteed cost, retrospective rating, and large-deductible programs
PMC PayGo — a "pay-as-you-go" premium option for eligible risks to improve cash flow and payroll reporting accuracy
Dedicated new business team and underwriting support to help with submissions, coverages, and placement strategy
Typical problems this program helps manage include payroll volatility for contractors, high-severity exposures in healthcare and staffing, and placement solutions for short-haul transportation or middle-market construction operations seeking alternative rating plans.
Underwriting Notes and Minimum Premiums
We prefer accounts with documented loss control, clear safety programs, and stable payroll reporting. While many small-business classes can be considered at lower minimums, larger or more complex operations will require higher minimum premiums and additional underwriting detail. Examples of typically ineligible or restricted classes include:
Long-haul trucking
Roofing operations
Ambulance services and taxi operations
24-hour exposures
High-frequency or high-severity risk profiles
Eligibility and appetite may vary by state and carrier.
Territories and Availability
This program is available to agents in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NH, NJ, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WV, WI. We offer both admitted and non-admitted placement options depending on the risk and state regulations.
Why Work With PMC Insurance Group?
Over 3,000 agents rely on PMC Insurance Group as a wholesale broker for workers' compensation placements. Our strengths include deep carrier relationships, experience placing specialty classes and middle-market accounts, and a service model focused on fast, practical underwriting responses. We work collaboratively with agents to identify competitive structures, tailor payment plans like PMC PayGo, and support renewals and claims advocacy when needed.
Example account scenarios:
You might have a mid-sized home healthcare agency seeking flexible comp options and payroll-based premium reporting — PMC can access admitted and non-admitted markets and evaluate PMC PayGo eligibility.
Or you may be placing a small electrical contractor expanding into new territories — we can help find a carrier offering appropriate territory endorsements and preferred contractor rates.
To explore full program details and submission requirements, visit pmcinsurance.com.
Frequently Asked Questions
What types of accounts are a good fit for this Workers Compensation program?We focus on small to mid-sized businesses with demonstrable loss control in industries such as construction, healthcare, short-haul transportation, staffing, and energy.
What is the minimum premium for eligible accounts?Minimum premiums commonly start around $2,000 for many small-business classes. Specific class minimums may be higher as shown in the target class list and will vary by carrier and state.
Are there any ineligible classes?Yes. We generally do not place long-haul trucking, roofing, ambulance or taxi operations, 24-hour exposures, or accounts with high frequency or severity loss profiles.
Is this program available nationwide?This program is available in the states listed above. Admitted and non-admitted options are available depending on the state and the specific risk.
What payment options are available?PMC offers flexible payment solutions, including PMC PayGo (pay-as-you-go) for eligible accounts to help align premium with payroll and improve cash flow management.
Need help placing an account? Connect with a market specialist.