Our own workers' comp program for accounts standard markets decline.

Standard brokers shop your account at the renewal. We rebuild it from the class code up.

• Detailed job-duty review and class-code re-mapping
• Loss-driver analysis (frequency vs severity, by location)
• Our own program pricing — no wholesale markup layered in
• Pay-as-you-go billing tied to actual payroll, not estimates
• Mid-term audit support and credit recovery

• Same-day claim reporting protocol
• Dedicated adjuster relationships, not call centers
• Return-to-work program design and rollout
• Independent medical exam coordination
• Quarterly loss-run review with your team

• Assigned-risk pool exits
• Prior-claim accounts and modifier > 1.2
• Multi-state operations with mixed class codes
• Owner-operator and 1099 contractor reclassification
• USL&H, longshore, and federal-act exposure