One submission. Every path.
Send the file - Radius evaluates it across PayGo carriers, contracted PEOs, and specialty structures and comes back with the best available option.
01 Pay-Go Workers' Comp
Premium calculated against actual payroll each cycle rather than annual estimate, eliminating large upfront deposits and year-end audit adjustments.
- -Premium reported per payroll run
- -No large deposit to bind
- -No year-end audit true-up
- -Works with most payroll providers
Best for businesses with variable or seasonal payroll that want predictable cash flow and no audit exposure.
02 PEO Workers' Compensation
Placement on an established master policy with negotiated rates, HR, compliance and claims support. Designed for small payrolls that can't afford standalone pricing.
- -Master policy rates for small payrolls
- -HR and compliance support included
- -Fast onboarding for new ventures
- -Co-employment without losing autonomy
Best for new ventures, small payrolls, or accounts where standalone policies price out of reach.
03 High-Risk & High-Mod Accounts
Surplus lines and specialty carriers for accounts with difficult claims histories, elevated mods, or class codes declined by standard carriers. Mod ceiling: none.
- -Experience mods above standard appetite
- -Prior cancellations and non-renewals
- -Assigned risk pool alternatives
- -Complex and multi-state class codes
Best for accounts with mods over 1.50, prior cancellations, open claims, or class codes no standard market will touch.
04 Submission Packaging for Retail Agents
Submission rebuilding, risk positioning, and market access for retail agencies holding declines. Your client stays yours from first submission through bind.
- -Loss run analysis and narrative rebuild
- -Class code review and reclassification
- -Market selection and negotiation
- -Client relationship retained - wholesale only
Best for retail agents holding a file that's been declined, non-renewed, or is sitting in assigned risk.
Declined? Non-renewed?
Mod over 1.25?
Send the ACORD 130, loss runs and payroll by class code. Radius starts working it the day it lands - and you keep the client.
- Complete submissions are marketed the day they arrive.
- A licensed broker reviews every submission - not a queue.
- No discovery call required to get started.