Staffing & temporary labor
Light industrial, clerical, warehouse, hospitality, skilled trades, multi-code payroll
For retail agents
Appetite guide
Read this before you spend a call finding out whether we're a fit. If your account looks like what's below, send it today.
The short version
- Experience mod
- No ceiling — mods of 2.00+ are our normal day
- Premium size
- $25,000 – $2,000,000 annual premium
- Class codes
- All codes considered — including the ones nobody else will write
- Primary focus
- Staffing and temporary labor is the core of the book
- States
- Florida base, plus non-resident placement in most states
- Markets
- Admitted specialty, surplus lines, PEO and pay-as-you-go structures
Classes we write
Staffing first, then everything the standard market ducks
Staffing and temporary labor is the core of the book. Beyond that, all class codes are considered — the difficult code is usually the reason the account is on your desk.
Construction trades
Demolition, roofing, framing, excavation, concrete, tree service, scaffolding
Transportation & delivery
Local trucking, long-haul, courier and last-mile delivery contractors
Manufacturing & industrial
Metal fabrication, plastics, food processing, recycling, machine shops
Healthcare & home care
Home health aides, private duty nursing, assisted living, non-emergency transport
Everything else
All class codes considered. If nobody else will write the code, bring it to us.
Risk characteristics we expect
- 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
Not a fit
- 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
Not sure which side of the line your account falls on? Send it anyway. A same-day yes or no is worth more to you than a maybe.
Where we place
Licensed footprint
Florida is home. Non-resident placement is available in most states through our specialty and surplus lines partners.
- Florida
- Georgia
- Alabama
- South Carolina
- North Carolina
- Tennessee
- Texas
- Virginia
- Additional states on request
Fits the appetite?
Then it's ready to go to market.
ACORD 130, three to five years of loss runs and payroll by class code. Upload it and we'll start working it today.
- 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.