Underwriting Guidelines & Supplemental Applications

General Underwriting Guidelines

  • In business for three (3) years with prior workers’ compensation coverage history
  • Three full-time employees/equivalents, excluding the owner required.
  • NCCI hazard grade G classes are ineligible. Limited hazard grade F appetite
  • Contracting Classes: (1) target is residential/light commercial (2) maximum height 15 feet

Submission Requirements

  • Complete Workers’ Compensation Acord application
  • Three (3) year currently valued loss information
  • Details on claims with over $25,000 incurred

Targeted Classes

  • Hotels / Resorts
  • Restaurants & Caterers
  • Country Clubs
  • Auto Dealerships
  • Hospitality Related
  • Light Manufacturing
  • Property Management
  • Wholesale / Retail Operations
  • Landscape / Nursery Operations
  • Charter/Private Schools
  • Business Associations
  • Artisan Contractors
  • Condo Associations (MP and with employees)

Supplemental Applications

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