What we offer

Programs designed around difficult risk

Four ways we get hard-to-place workers' compensation bound for the retail agent holding the decline.

PayGo

Pay-As-You-Go Workers' Comp

Premium is calculated against real payroll each cycle instead of an annual estimate. That removes the large upfront deposit and the year-end audit adjustment that wrecks a budget.

Premium reported per payroll run
No large deposit to bind
No year-end audit true-up
Works with most payroll providers

PEO Solutions

PEO Workers' Compensation

Placement onto an established master policy with pre-negotiated rates, plus HR, compliance and claims support. Ideal when a standalone policy is priced out of reach.

Master policy rates for small payrolls
HR and compliance support included
Fast onboarding for new ventures
Co-employment without losing autonomy

Specialty Markets

High-Risk & High-Mod Accounts

Surplus lines and specialty carriers for accounts with difficult claims histories, elevated experience mods or class codes standard carriers decline outright.

Experience mods above standard appetite
Prior cancellations and non-renewals
Assigned risk pool alternatives
Complex and multi-state class codes

Broker Support

Submission Packaging for Retail Agents

Send us the decline. We rebuild the submission, position the risk properly for underwriters, and take it to markets a retail agency can't access directly.

Loss run analysis and narrative
Class code review and reclassification
Market selection and negotiation
You keep the client relationship

Ready when you are

Send the submission. Get an answer.

Loss runs, current policy and payroll records are all we need to start working the market.

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.

Submit a Risk Check Appetite Join the Broker Network (860) 913-9854