Construction, utilities, manufacturing, energy, agriculture and trucking. We place high-hazard workers' compensation with markets that use modern, data-driven underwriting and reward safe operators.
Smaller contractor, or paying under $50,000 a year? Use our contractor comp page.
These are the industries where standard carriers pull back and our markets lean in.
Carpentry, roofing, framing, drywall, stucco, painting, concrete, masonry, paving, excavation, sewer and water lines.
Electrical, plumbing, sprinkler, elevator, boiler, conduit and power line construction.
Concrete products, steel, pipe and tube, forging, lighting fixtures, chemical and gas manufacturing.
Well cementing, logging and survey, lease work, specialty equipment, pipeline construction and operation.
Tree pruning and spraying, irrigation works, farm machinery operation, feed and fertilizer dealers, grain storage.
Towing and roadside, water trucks, scrap dealers, cold storage, construction yards. Unlimited radius.
A sample of the California class codes in appetite. Don't see yours? Submit anyway; we place many more.
Company details, payroll by class and your documents, in one form.
We check your classes, loss history and e-mod, and reach out only if something's missing.
We match your classes to markets that want them and that credit safe operations.
We walk you through pricing, credits and terms before your renewal.
Class codes with higher injury rates and higher base rates, such as roofing, framing, excavation, steel erection, oil and gas work, and heavy manufacturing. Many standard carriers limit or decline these classes.
Underwriters price on recent, up-to-date claim history. "Currently valued" means the report was run in the last 60–90 days, so open claims show their latest reserves.
It's the experience modification calculation from the WCIRB (in California). It shows how your claims compare to similar businesses and directly changes your premium.
Our high-hazard markets are built for accounts paying roughly $50,000 or more a year in California comp. Smaller contractors can use our contractor comp page.
60 to 90 days before your renewal gives underwriters time to review your submission and compete for it.
That's the right time to shop high-hazard comp. Send your loss runs, e-mod worksheet and payroll now.
Submit for a quoteQuestions? Call (855) 867-0002, weekdays.