https://completemarkets.com/company/usrisk/Artisan-Contractors-Workers-Compensation-Insurance/
Artisan Contractors Workers Compensation Insurance — U.S. Risk Insurance Group, Inc.
U.S. Risk Insurance Group partners with an A-rated carrier to offer a focused, competitively priced workers compensation market for artisan contractors. This program is designed for independent agents and brokers who need an admitted solution with flexible payment options, online servicing, and underwriting that understands trade contractors and small commercial operations.
Overview of the Program
This program provides guaranteed-cost policies and dividend plan options (available in FL). Key servicing features include online loss runs and responsive wholesale underwriting through U.S. Risk Insurance Group. The product is geared toward small-to-mid premium artisan contractors who require admitted paper and straightforward policy administration.
Ideal Accounts and Appetite
Small to medium-sized artisan contractors and trade contractors (e.g., carpenters, painters, electricians, plumbers, HVAC service techs) with predictable, controllable exposures.
New ventures are eligible — the program will consider start-ups with appropriate underwriting information.
Accounts coming out of PEO arrangements are eligible; PEO carve-outs are supported with required documentation.
24-hour shift work is eligible when it is the only exposure beyond standard operations.
Coverage Highlights and Advantages
Admitted coverage in the listed territories; placement through an A-rated carrier provides claims handling on an admitted basis where available.
Product offerings include guaranteed cost policies and dividend plans (Florida only), giving options for agents looking to balance price and loss-sensitive programs.
Online loss runs support quick quoting and underwriting referrals.
Flexible payment options: direct bill or monthly self-reporting with a non-working payroll deposit.
Underwriting Notes and Restrictions
Underwriters look for clear, manageable risk profiles. Primary underwriting guidelines include:
$2,000 minimum premium (no stated maximum).
Group transportation limited to a maximum of five employees per vehicle.
Height and underground work restrictions: no more than 20 feet / two stories above ground and no more than 6 feet below ground.
Lapses in coverage must be referred to underwriting for review.
No maximum experience modification — submissions with higher mods will be considered case-by-case.
PEO carve-outs are available but require loss history, a signed PEO/client contract and amendment, and a labor endorsement.
Ineligible exposures: domestic staffing, aviation operations, federal coverage, accounts with active tax liens or bankruptcies.
Payment Plans
Direct bill
Monthly self-reporting with a non-working deposit
Territories and Availability
The program is available in the following states and territories: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Note: CA and OK are listed as limited/incidental or cannot be the governing state for the policy.
Example Accounts That Fit
You might have a small electrical contractor with three crews, steady payroll, and no history of regulatory or financial encumbrances — good candidate for a guaranteed-cost policy.
A painting contractor in Florida with stable payroll and low loss frequency could benefit from the dividend plan option available in that state.
Why Place This Business With U.S. Risk Insurance Group
U.S. Risk provides wholesale distribution and program administration expertise focused on trade and artisan classes. The combination of admitted capacity, targeted underwriting, and practical servicing tools (online loss runs, monthly reporting) helps you place accounts that need admitted protection without unnecessary friction. Underwriters are experienced with PEO transitions and carve-outs, and the program accepts new ventures — giving you more options for clients who may not fit standard retail markets.
Frequently Asked Questions
What types of artisan contractors are a good fit for this program?Trades such as carpentry, painting, plumbing, HVAC service, electrical, and similar small-to-mid sized contractor operations with controllable field exposures are primary targets. New ventures and businesses exiting PEOs are eligible with proper documentation.
What documentation is required for PEO carve-outs?For PEO carve-outs you must provide complete loss history, a signed PEO/client contract and amendment, and the labor endorsement. Underwriting will review prior payroll and claim history before acceptance.
Are there height or excavation limits?Yes. The program restricts exposures to no more than 20 feet (or two stories) above ground and no more than 6 feet below ground. Submissions exceeding those limits should be referred to underwriting but may be ineligible.
Which states is this program available in, and are CA or OK allowed?The program is available in the listed states (AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI). California and Oklahoma are limited/incidental or cannot be the governing state.
What is the minimum premium and available payment options?Minimum premium is $2,000. Payment options include direct bill or monthly self-reporting with a non-working payroll deposit; underwriting can explain program-specific billing mechanics on submission.
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