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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.

Overview — Retail Industry Workers Compensation Insurance Don R. Jensen & Company offers a retail industry workers compensation program designed for independent agents and brokers who need reliable, competitively priced coverage for common retail exposures. Our appetite covers a broad set of retail classes — from small neighborhood shops to larger retail locations — with underwriting tailored to the operational risks retail employers face every day. Ideal Accounts and Appetite This program is a good fit for routine retail operations with standard premises and staffing patterns. Typical accounts include: Grocery stores and convenience markets Hardware and wholesale stores Gas stations and car washes Laundromats, barber shops, tanning salons, and florists Accounts with clear safety practices, routine inventory handling, and standard customer interaction exposures are most likely to receive favorable terms. Higher-risk retail operations (extensive food preparation beyond deli counters, heavy manufacturing on-site, massage/spa services with elevated liability concerns, or significant off-site operations) should be discussed with underwriting before submission. Coverage Highlights and Advantages Market access through Don R. Jensen & Company’s wholesale relationships — carriers vary to match the account. Competitive premiums and flexible options for standard retail classes. Experienced underwriting familiar with retail-specific loss drivers such as slips/trips, lifting injuries, and customer-related incidents. Practical submission requirements streamline review and placement. Underwriting Notes and Minimum Premium Underwriting evaluates operations, payroll breakdown, prior loss history, safety programs, and experience modification. Minimum premiums start at $2,000. To accelerate review and improve placement chances, include the following with each submission: Completed ACORD application Three years of currently valued loss runs Experience modification worksheet Send submissions and documentation to [email protected] for underwriting intake. Territories and Availability Don R. Jensen & Company places retail workers compensation across a wide set of states. This program is available in: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, TN, TX, UT, VT, VA, WI. Admitted versus non-admitted placement will depend on the carrier and state regulations; underwriting will identify the appropriate market on submission. Example Accounts That Fit Well A neighborhood grocery with a steady staff and one location looking to renew with an improved loss control plan. A local hardware store seeking a market that understands retail operations and can offer a competitive workers compensation option at standard limits. Why Work With Don R. Jensen & Company As a wholesale broker, Don R. Jensen & Company provides access to multiple carriers and tailored underwriting for retail accounts. We help you place standard retail risks efficiently and offer responsive underwriting review when accounts require clarification. For more company information and additional coverage details, visit www.drjco.com. Frequently Asked Questions What types of retail accounts are a good fit for this program?Routine retail operations with customer-facing premises and standard inventory handling — grocery stores, hardware stores, laundromats, gas stations, barber shops, florists, and similar classes — are a strong fit. Accounts with unusual exposures should be discussed with underwriting first. What do you need to submit for a quick review?Include a completed ACORD application, three years of currently valued loss runs, and an experience modification worksheet. Email submissions to [email protected] to begin underwriting. Is this coverage available everywhere?The program is available in the states listed above. Whether coverage is provided on an admitted or non-admitted basis depends on the carrier and the state; underwriting will confirm placement options on a per-submission basis. What is the minimum premium?Minimum premiums start at $2,000. Final pricing is subject to the insured’s payroll, class codes, loss history, and selected carrier terms. Need help placing an account? Connect with a market specialist.