Industry and operations
Describe what the business does and the work employees perform.
Workers’ Compensation
Coverage for the people behind the business.
Workers’ compensation helps businesses address employee workplace injuries and related statutory obligations. The structure, workforce, operations and loss experience of a business all contribute to how an account is evaluated.
Across industries
Coverage across the business.
Coverage considerations are general guidance, not confirmation of availability or eligibility. Terms, conditions and availability depend on the account, jurisdiction and underwriting review.
Common considerations
What shapes the account.
Payroll and classifications
Organize payroll by employee duties and applicable classifications.
States of operation
Identify where employees work, including temporary or changing locations.
Loss experience
Provide available loss history and context for significant claims.
Safety and risk controls
Explain training, supervision and measures used to manage workplace exposures.
Experience modification
Include current modification information where applicable.
Claims and return-to-work support
Consider how claims communication, injury reporting, safety practices and return-to-work planning support the workforce.
Program fit
Small-business and middle-market accounts can follow different review paths. Availability varies by state, operation and market. Approved brokers can view current state availability in the Broker Product Reference.
Preparing an account
Prepare a Workers’ Compensation account.
Organize the business and exposure information for underwriting review.
- Applicant details and business locations
- Description of operations
- Payroll and employee classifications
- States where employees work
- Prior insurance and available loss history
- Experience modification information where applicable
Broker product reference Approved brokers · Restricted access
Current appetite and underwriting reference.
Access requires an active approved agency relationship and an authorized producer profile. Detailed reference access is being prepared. Email verification alone does not grant access. For current placement guidance, submit the account for review.
- Eligible classes
- 🔒 Approved broker access
- Eligible states / territory
- 🔒 Approved broker access
- Limits / capacity
- 🔒 Approved broker access
- Key underwriting considerations
- 🔒 Approved broker access
- Available programs
- 🔒 Approved broker access
- Required submission documents
- 🔒 Approved broker access
Your next opportunity
Not every risk fits neatly into a category.
Tell us about the account and we’ll help determine the appropriate next step.