Simplified Personnel
Industry / High-Risk WC

An exit from the assigned-risk pool.

If your broker put you in the state fund or assigned-risk pool, you're paying 30–60% more than you should. We rebuild the submission and shop it program-direct.

240+
Assigned-Risk Exits
32%
Avg. Premium Cut
0.80
Mod Floor
10–14 days
Bind Time
01

What disqualifies you from the standard market

  • Experience modifier above 1.25
  • One severe claim in the last 36 months
  • Class codes deemed 'distressed' (roofing, demo, trucking)
  • Prior cancellation or non-renewal on your loss-run
  • Multi-state operations with mixed code rates
02

What we change

  • Re-underwrite by exposure, not by reputation
  • Document loss-prevention work since the last claim
  • Program-direct submission with full narrative
  • Mod-reduction plan with quarterly milestones
  • Return-to-work program rollout

Ready to see what we can do for your account?