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An injury on the job can be one of the most costly liabilities for your client’s business. Medical bills, rehabilitation, permanent disability and fatal claims can create significant financial and operational strain. Keating offers tailored Workers' Compensation placement solutions to help you protect your clients, manage exposures, and keep businesses running after a loss. Program Highlights • Fast turnaround on quotes and submissions • Premiums starting at $2,500 and scaling to large, risk-managed operations • Appetite for startup operations • Multi-state capabilities • High experience mod factors accepted • In-house authority with several top-rated carriers • Direct bill options, including pay-as-you-go • Competitive pricing and agent commissions Overview — Keating's Workers' Compensation Program Keating is a wholesale broker with deep Workers' Compensation expertise and broad carrier access. We combine underwriting experience, streamlined submission workflows, and in-house authority to place accounts across a wide range of industries and risk profiles. Our team focuses on responsive service so you can move business quickly and give your clients reliable coverage and flexible billing options. Ideal Accounts and Target Classes We handle hundreds of class codes and a variety of account sizes — from single-location small businesses to multi-state operations with complex exposures. Typical target classes include: • Artisan contractors • Auto service & towing • Bus companies • Cell tower construction • Drywall contractors • Grocery and retail stores • Home health agencies & VNAs • Hotels and motels • Long and short haul trucking • Manufacturing • Non-emergency medical transportation • Remodeling contractors • Restaurants (single location to chains) • Social services • And many more We also operate exclusive specialty programs for social services, home health / visiting nurse associations, and medical temporary staffing. Example fits: - You might have a growing regional contractor with a higher experience modification factor and multi-state payroll — Keating can help place the account and arrange pay-as-you-go billing. - Or a startup home health agency needing admitted coverage and competitive pricing — our specialty programs are designed for that appetite. Coverage Highlights and Advantages - In-house authority with multiple top-rated carriers for flexible placement options. - Admitted and non-admitted solutions depending on state and risk characteristics. - Direct-bill and pay-as-you-go billing to reduce audit surprises and help clients manage cash flow. - Ability to consider higher experience mod factors and more complex loss histories when the operations and controls justify placement. Underwriting Notes & Submission Requirements To evaluate risks quickly, include the following with submissions: • Completed ACORD 130 application • Experience Modification Worksheet • 3–5 years of currently valued loss runs • Detailed description of operations and payroll breakdowns Minimum premiums typically start around $2,500, but final pricing depends on class codes, state, payroll, and underwriting details. Territories and Availability Keating’s Workers' Compensation program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options where appropriate for the risk and state requirements. Why Work With Keating? As a wholesale broker, Keating brings: • Dedicated underwriting expertise and quick response times • Broad carrier relationships and in-house authority to place difficult or specialized risks • Flexible billing and competitive terms to help you sell and retain business • Practical guidance on structure, endorsements, and loss-control strategies Our team acts as an extension of your brokerage — helping you find the right market, structure terms, and move submissions efficiently from quote to bind. Contact Keating today—your trusted partner in Workers' Compensation insurance placement. Frequently Asked Questions What types of accounts are a good fit for Keating’s Workers' Compensation program?Keating is a strong market for artisan contractors, healthcare providers, social services, trucking, manufacturing, retail, and many other classes — including startups and higher-mod operations that need flexible placement options. Is this program available in all states?Yes. Our Workers' Compensation program is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the state and risk. Do you accept high experience modification factors?Yes. We can consider accounts with higher experience modification factors when the overall operations, controls, and exposure profile support placement. What is the minimum premium for this program?Minimum premiums generally start around $2,500, but final minimums depend on class code, state, payroll, and underwriting factors. What carriers does Keating work with?We have in-house authority with multiple carriers and strong wholesale relationships, giving us flexibility to find the right fit across admitted and non-admitted markets. 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.