Appetite
What Should You Send?
Start with four facts. Then add the mod, loss runs, effective date, current carrier or program, and market history.
Start With Four Facts
1. Where?
Primary state / majority payroll.
2. What do employees actually do?
Industry + operations + class codes where known.
3. How large is the account?
Payroll, employees, and premium.
4. What happened?
High mod, non-renewal, cancellation, gap, claims, assigned risk, new venture, carrier decline, current PEO issue, or something else.
Public Fit Labels
These labels describe how an opportunity is triaged. They are not underwriting approval.
Strong Specialty Fit
Commonly aligned with the program's specialty focus.
Specialist Review
Could be viable depending on details.
Additional Information Needed
Not enough verified information yet.
Outside Current Program
No approved current program path.
The Fastest Way to an Answer
Tell us: State · Operations · Payroll/Premium · Mod · Situation
Ready with a full file instead? Submit the complete opportunity.
Have a Live Account?
Tell us the state, industry and operations, premium, mod if known, and what happened. We'll help determine the next step.