WC Carve-Out.
Standalone workers' comp if you want to keep your existing payroll — or just need WC placed competitively in a hard market. We carry the policy and claims oversight. Nothing else.
Our WC program. Nothing you don't need.
What you get with a carve-out:
Our WC Program
- Master program built for your class codes
- No wholesale or retail markup
- Hard-to-place and elevated-mod accounts accepted
- Multi-state coverage under one program
- Insured by State National (A-rated)
Claims Management
- Dedicated claims specialists assigned to your account
- Proactive return-to-work program coordination
- Real-time claims tracking and reporting
- 24/7 nurse triage hotline to route incidents
- Litigation management oversight
Risk & Safety Programs
- Workplace hazard assessments
- Customized safety training programs
- OSHA compliance review and support
- Pre-hire and post-incident drug screening coordination
- Experience modification monitoring and strategy
Reporting & Analytics
- Monthly loss run reporting
- EMR trend analysis
- Claim-by-claim cost transparency
- Open reserve and closure reviews
- Renewal preparation and modeling
Quote in 24–48 hours. WC-only binds fastest of any program we offer.
Submit ACORD 130 + losses
Send ACORD 130, current dec page, and 3–5 years of loss runs through our agent portal or directly.
Program indication
Within 24–48 hours we return a program indication with premium, schedule credits, and program terms.
Bind & onboard
We bind coverage with the carrier and onboard your claims contacts, reporting, and safety calendar.
Claims & safety operations
Dedicated claims and safety contacts engage from day one — incidents routed through 24/7 nurse triage.
Renewal management
We work the EMR strategy, reserves, and renewal so the next term is better than the last.
When the WC Carve-Out is the right structure.
WC Carve-Out is the right fit if…
- You already have a payroll provider you want to keep
- You only need workers' comp placed (not a full PEO/ASO platform)
- Your current WC renewal is uncompetitive or non-renewing
- You have a high EMR or hard-to-place class codes
- You operate in service industries with variable labor
- You want dedicated claims and safety support without switching everything
Other programs may fit better if…
If you'd also like payroll, HR, and benefits bundled under one employer-of-record agreement.
Explore PEO Co-Employment →If you want the full platform but need to stay employer of record on your own EIN.
Explore ASO Administrative →WC Carve-Out FAQ
Can I keep my current payroll provider?+
Yes — that's the whole point of the carve-out. You keep payroll where it is and we carry only the workers' comp policy, claims, and safety programs.
Do you place high-EMR or hard-to-place accounts?+
Yes. Our carrier programs are built for service-industry operators with variable labor, high turnover, and elevated EMRs. Most of our incoming submissions have been turned down by retail markets at least once.
How fast can I get a quote?+
Indications return in 24–48 hours after we receive a complete submission (ACORD 130, dec page, and 3–5 years of loss runs).
Will I have a real claims contact?+
Yes. Every carve-out account gets a named claims specialist plus access to our 24/7 nurse triage line. No call-center routing.
What industries do you focus on?+
Temporary staffing, light manufacturing, warehousing, hospitality, last-mile logistics, janitorial, and landscaping. We accept select artisan construction without height exposures.