Workers' Compensation
No matter how many safety precautions are followed in the workplace, unexpected accidents happen and employees can become ill due to workplace conditions. Workers compensation insurance, sometimes referred to as workman's comp or workers comp, helps protect both employees and employers if someone is injured on the job or develops a work-related illness.
Eligible Risks
- Electricians
- Plumbers
- Painters
- Concrete
- Trucking less than a 200 miles radius
- Restaurants
- Janitorial under 1 story height exposure
- Alarm Installation
- Landscaping
- Masonry
- Building materials dealers
Ineligible Risks
- Lapse in coverage - must place coverage elsewhere for 90 days, family/friends, subs, temps, 1099s, day laborers working without coverage constitutes a lapse
- Experience rating greater than 1.50, debit mod history (multiple years of debit modification experience) sub-contracted work greater than 20% of total operations
- Back-dating coverage
- A License contractors across the board. Demo, grading, tree trimming licenses are all auto declines if carried by insured regardless of operation submitted
- Pool exposure, pool repair, pump repair, pool cleaning, pool painting/refinishing
- Satellite dish installation, telephone line installation (exterior), exterior pole work
- Solar work
- Skylight work
- Debris removal/recycling, garbage pick-up/haul away
- Public road work
- Valet
- Delivery other than catering
- Leased employees
- Hospitals, airports
- Towing, roadside assistance
- Sewer lines, manholes
- Furniture movers
- Flood/fire restoration
- Sign installation
- Military/government installation exposures (zero tolerance)
- Temp agencies
- Cash laborers/temps/uninsured subs utilized
Underwriting Guidelines
- Start-ups, new ventures, and existing businesses
- Max height of 25 ft./two stories or less (No roofing, truss, or gutter work)
- Out-of-state travel ≤ 15%
- Debit mods eligible when driven by severity over frequency
- Travel radius ≤ 200 miles
States Available
California