Specialties
Difficult Workers' Comp Is Usually Difficult for a Reason.
A high mod is not the same problem as a coverage gap. A cancellation is not the same problem as a non-renewal. A new venture is not the same problem as an established employer with deteriorating claims.
Start with the barrier. Then build the account.
High Experience Mod
Understand the losses, open claims, payroll, corrective actions, and business consequence behind the number.
Learn MoreNon-Renewal
Get ahead of the deadline and build the file before the producer becomes a messenger for declines.
Learn MoreCancellation
Identify the reason, effective date, current policy status, and whether a gap is developing.
Learn MoreCoverage Gap
Build a precise chronology: dates, operations, payroll, incidents, and prior coverage.
Learn MoreClaims History
Replace “bad losses” with a documented story.
Learn MoreAssigned Risk
Evaluate the employer's current situation without disparaging the residual market or promising an alternative.
Learn MoreNew Venture
Replace missing loss history with operational detail and management evidence.
Learn MoreHigh-Hazard Classification
Accurate operations and class information matter more than a broad industry label.
Learn MoreCarrier Decline
Use the decline reason to improve the next decision instead of simply sending the file everywhere.
Learn MoreHave a Live Account?
Tell us the state, industry and operations, premium, mod if known, and what happened. We'll help determine the next step.