We Do Standard.
Fast submission, multiple markets, no shortcuts. If there is a better rate, we find it.
We Do
Hard-to-Place.
Three core programs designed for the businesses that don't fit the standard mold: flexible, fast, and built around your actual risk profile.
Pay-As-You-Go Workers' Compensation
Premium that moves with your payroll, not against you.
Traditional workers' comp insurance requires large upfront deposits and triggers year-end audits that can result in unexpected bills. Our PayGo program integrates your premium directly with each payroll run, so you pay exactly what you owe: nothing more, nothing less.
Get a PayGo Quote- Premium calculated from actual payroll each period
- Eliminates large upfront deposits
- No year-end audit surprises
- Improves cash flow and budget predictability
- Works with most payroll providers
- Available for most industries and class codes
PEO Workers' Compensation
Master policy coverage with full HR infrastructure.
A Professional Employer Organization (PEO) program places your employees under a master workers' comp policy with established rates and proven loss history. You get compliance, claims management, and HR support, without giving up control of your business.
Explore PEO Programs- Access to established master policy rates
- Payroll processing and tax compliance included
- Claims management and oversight
- Safety programs and risk reduction tools
- 24/7 Nurse Triage line
- Online training library for employees
High-Risk & High-Mod Specialty Placement
For the accounts everyone else turned away.
If your experience modification rate is elevated, your loss runs are troubled, or your class codes trigger automatic declinations in standard markets, you need a broker with surplus lines access and the expertise to present your account effectively to specialty carriers.
Submit Your Account- Access to non-admitted surplus lines markets
- Specialty carrier relationships others don't have
- Expert loss run presentation and narrative
- Class code analysis and reclassification support
- Assigned risk pool avoidance strategies
- Placement within 48 hours in most cases
Industries We Specialize In
These are the industries where standard carriers often say no. We say yes.
Contractors
Demolition, roofing, excavation, concrete: the trades with automatic declinations. We know the markets that cover them.
Manufacturing
Complex class codes, elevated EMRs, and specialized underwriting needs. Our team navigates it all.
Trucking & Transportation
Long-haul, regional, and last-mile fleets that standard carriers reject. We have carrier relationships that work.
Staffing Firms
Multi-code payroll, high employee turnover, diverse exposure; we handle the complexity.
Home Healthcare
Reclassification support and specialized coverage for home health aides, CNAs, and private duty nursing.
Amazon DSPs
Delivery service partners navigating Amazon compliance requirements and assigned risk pool avoidance.
The Difference Is in the Details
Any broker can get you coverage in a good market. We specialize in the situations where that isn't true.
48-Hour Placement
Most accounts receive binding quotes within two business days of submission.
Surplus Lines Access
We reach non-admitted specialty markets that standard brokers simply can't access.
No Audit Surprises
Our PayGo and PEO programs eliminate year-end audit bills completely.
Expert Narrative
We don't just submit your account; we present it. Context and story matter to underwriters.
Real People, Real Answers
You'll reach a human. Every time. No phone trees, no waiting 3 business days for a reply.
True Advocacy
When a market rejects your account, we don't stop. We find the next door and we push.
Non-Renewed? Declined?
We Have Options.
Don't let a workers' comp gap put your business at risk. We move fast and we know the markets that can help.