Is there a mod ceiling?
No. Mods over 2.00 are routine here and the highest we've placed is well above 3.00. A high mod alone never disqualifies a Florida account — the claim story and what changed since matter more.
Florida
High-mod workers' comp in Florida
For Florida retail agents holding an account with a mod over 2.00, a cancellation on the record, or an assigned risk problem that needs an exit.
A high mod is a pricing problem, not a coverage dead end
Florida's admitted market prices high-mod comp out of reach long before it declines it outright. By the time the account reaches your desk, the insured has usually been told the assigned risk pool is the only option left. It rarely is.
We market Florida high-mod accounts to specialty and surplus lines carriers that write this risk on purpose — carriers that read a loss run in context, credit corrective action, and price experience rather than run from it. Demolition, roofing, framing, tree service, staffing payroll and multi-code contractors are all in appetite, with no mod ceiling.
Structures that fix the cash flow too
High-mod premium is heavy, and a large deposit plus a year-end audit adjustment is what usually kills the deal. Pay-as-you-go reporting ties premium to actual payroll each cycle, and a PEO master policy can carry small-payroll accounts that a standalone policy prices out. We quote whichever structure the account can actually sustain.
Send it if
- Experience mod of 2.00 or higher on the current rating worksheet
- Mid-term cancellation or non-renewal from an admitted carrier
- Currently in the Florida assigned risk pool and looking for an exit
- Open lost-time claims still driving the mod
- Coverage lapse the insured needs cured before a job start
- Construction class codes with height or demolition exposure
Questions agents ask
Florida high-mod comp, answered
Can you get an account out of the Florida assigned risk pool?
Often, yes. We look at the mod calculation, the class code assignment and the loss development, then market the risk to specialty and surplus lines carriers that price high-mod comp voluntarily.
How fast can a Florida agent get an indication?
Most complete submissions get indications within 48 hours. Complete means ACORD 130, three to five years of loss runs valued in the last 90 days, and payroll by class code.
Who keeps the client?
You do. Radius is wholesale only. We don't contact the insured without your written authorization and we don't write retail business.
Florida agents
Mod over 2.00? Send it today.
ACORD 130, loss runs and payroll by class code. We'll confirm appetite the same day.
- 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.