01
Staffing & temporary labor
Light industrial, clerical, warehouse, hospitality, skilled trades, multi-code payroll
Wholesale workers’ comp · Tampa Bay, Florida
The account everyone
else declined can
still be yours.
High mods. Prior cancellations. Open lost-time claims. Complex staffing payroll. Send the submission — Radius works the markets you cannot reach, and the client stays yours.
Wholesale only. Your client remains yours.
- Mod ceiling
- None. 2.00+ is a normal day.
- Prior cancellation
- Fine. Lapses too.
- Turnaround
- Indications typically inside 48 hours.
- Your client
- Stays yours. Wholesale only.
640+
Accounts placed since 2019
3.42
Highest experience mod written
14
A-rated surplus & specialty carriers
20 yrs
Licensed in workers' compensation
Figures as of August 2026. Backup available on request.
Appetite
We write / we don't
Read the two columns. You'll know in thirty seconds whether we're a fit — no discovery call required.
We write
- Experience mods of 2.00 and above
- Prior cancellation or mid-term non-renewal
- Lapse in coverage, including current lapse
- Open lost-time claims and adverse loss runs
- Assigned risk pool exits
- New ventures with no loss history
- Multi-state and multi-code payroll
- Misclassified payroll needing reclassification
We don’t
- Monopolistic state fund states (ND, OH, WA, WY) for the comp line
- Accounts with active fraud findings or material misrepresentation
- Submissions with no loss runs and no payroll detail available
- Coverage needed the same business day with no documentation
- Mod ceiling
- No ceiling — mods of 2.00+ are our normal day
- Premium size
- $25,000 – $2,000,000 annual premium
- States
- Florida base, plus non-resident placement in most states
- Core class
- Staffing and temporary labor is the core of the book
Classes we live in
The accounts your carriers auto-decline
Staffing firms with six class codes. Roofers with a 2.4 mod. Demolition with an open lost-time claim. That is the everyday book.
02
Construction trades
Demolition, roofing, framing, excavation, concrete, tree service, scaffolding
03
Transportation & delivery
Local trucking, long-haul, courier and last-mile delivery contractors
04
Manufacturing & industrial
Metal fabrication, plastics, food processing, recycling, machine shops
05
Healthcare & home care
Home health aides, private duty nursing, assisted living, non-emergency transport
06
Everything else
All class codes considered. If nobody else will write the code, bring it to us.
Programs
Four ways we get it bound.
Every account goes to market on the structure that actually fits the payroll.
01 / PayGo
Pay-As-You-Go
Premium reported per payroll run. No large deposit, no year-end audit true-up.
02 / PEO
PEO Placement
Master-policy rates and HR support when a standalone policy prices out.
03 / Specialty
High-Mod & Surplus Lines
Mods over 2.00, prior cancellations, open claims, assigned risk alternatives.
04 / Broker support
Submission Packaging
We rebuild the loss narrative, review class codes and take it to markets you can't reach directly.
How it works
Three steps. No runaround.
Send it today and we start working it today.
- 01
Send the submission
ACORD 130, loss runs and payroll by class code. Upload it on the contact form — no phone call required.
- 02
We rebuild and position it
Loss run narrative, class code review, mod worksheet check. Underwriters get a package they can act on.
- 03
You bind and keep the client
The relationship stays yours, start to finish — we never contact your client directly.
Why agents stay
You own the client. Radius owns the placement process.
One submission. Multiple program paths. Full visibility from first review through commission payment.
01
You keep the client
Wholesale only. Radius never solicits, cross-sells or contacts your insured after the placement.
02
Direct access to Ava
No queue and no account-manager relay. The person who works the file is the person you email.
03
Multiple program paths
One submission is evaluated across contracted PEOs, PayGo carriers and specialty structures.
04
No black-hole submissions
Live status from first review through bind, plus a running list of what is still missing.
05
Commission transparency
Pending, paid and year-to-date commission with downloadable statements.
06
Renewal support
Effective dates, renewal tasks and policy documents tracked so nothing falls off in month eleven.
Agent portal
One dashboard. Every submission, client and commission.
No mystery. See what is in market, what is missing, what renews next and what is pending, paid and coming next.
7
Open submissions
2
Awaiting your items
4
Renewals in 60 days
Visible
Commission YTD
| Insured | Stage | Detail |
|---|---|---|
| Reyes Demolition | In market | 3 carriers · mod 2.61 |
| Gulf Coast Staffing | Needs items | Loss runs 2024 |
| Suncoast Roofing | Quoted | 2 options · PEO |
| Bayline Logistics | Bound | Commission pending |
Sample data shown for illustration.
What you get inside
Submission tracking
Live status for every opportunity from initial review through bind.
Missing-item workflow
Immediate visibility into what a market still needs from you.
Client ownership protection
The producing agent of record is recorded on every submission.
Multi-market matching
Evaluated across contracted PEOs and specialty structures at once.
Client & renewal dashboard
Clients, effective dates, renewal tasks and documents in one place.
Commission transparency
Paid, pending and year-to-date totals with statements you can download.
Case outcomes
What happened after the decline
Anonymized accounts placed through retail agents. Every account is underwritten on its own facts — these are outcomes, not promises.
Case 01
Demolition contractor
- Challenge
- 2.60 mod plus two open lost-time claims
- Radius action
- Rebuilt the loss narrative and presented to specialty markets
Two viable markets in three business days
Case 02
Multi-code staffing firm
- Challenge
- Six class codes and high turnover
- Radius action
- Separated class exposure and rebuilt payroll detail
Agent retained the relationship at renewal
Case 03
Roofer at renewal
- Challenge
- Prior cancellation followed by a coverage lapse
- Radius action
- Repackaged the loss story with safety controls
Alternative obtained before the renewal date
From producing agents
After the first submission
“I sent a demolition account with a 2.6 mod and two open lost-time claims. Radius came back with two markets in three days. My carrier had already declined it twice.”
“Staffing is the reason I call them. Multi-code payroll, high turnover, and they don't flinch. I keep the client, they handle the market.”
Who you deal with
Ava Grace
Founder & Principal Broker
Woman-owned agency · Tampa Bay, Florida
Twenty years placing workers’ compensation, most of it on accounts other brokers had already given up on. Staffing payroll with six class codes, demolition crews with open lost-time claims, roofers coming out of the assigned risk pool. Every submission is handled by the person who signs the agency’s name to it — no queue, no account manager relay.
“Send me the file everyone else gave back. I read it myself, I rebuild it, and I tell you straight whether there is a market. Your client never hears my name.”
— Ava Grace, Founder & Principal Broker
Send Ava the SubmissionSend it today
Declined? Non-renewed? Mod over 2.00?
Send the ACORD 130, loss runs and payroll by class code today. We start working it the day it lands — and you keep the client.
- Wholesale only — your client remains yours.
- Complete submissions are marketed the day they arrive.
- Files are transmitted securely over an encrypted connection.
- A licensed broker reviews every submission — not a queue.
- No discovery call required to get started.