Recent Success

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• $0 minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility

• Cannot operate as a pawn shop, sell firearms, sell airsoft/paintball equipment, or have firearms on premises 
• No products that contain THC

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• $0 minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility:

• No employees providing/performing live music, dancing, exotic dancing, karaoke, roller skating, fire breathing, or anything beyond the ordinary
• No bouncers or armed/unarmed security staff

Unique Characteristics:

• Had 2 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• No minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility:

• No live entertainment

Unique Characteristics:

• Had 3 claims in the past 3 policy terms

General underwriting guidelines:

• Minimum 1 year continuous workers’ compensation coverage
• $30,000 minimum payroll
• Loss runs required

Eligibility

• No live-in employees or high percentage of seasonal employees 
• Must have mechanized harvesting process
• No aerial crop dusting
• No employees lifting above 50 lbs

Unique Characteristics:

• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• Minimum 1 year continuous workers’ compensation coverage
• $50,000 minimum payroll

Eligibility

• No employees above 25 feet
• OSHA safety guidelines must be followed when working above ground or on rooftops
• No employees primarily engaged in structural rough framing

Unique Characteristics:

• Class code is eligible for instant quote
• Had 3 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• Considered a preferred class, so loss runs aren’t required

Eligibility

• No hourly rates

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• $0 minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility

• No 24-hour service 
• Cannot operate as a detox center, mental health hospital, or psychopathic institution 
• No specialized treatment of highly infectious diseases
• No air evacuation or air ambulance transport

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• $0 minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility

• No operations out of a home residence 
• No extra-curricular classes or activities (gymnastics, dance, karate, swimming, team sports)

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms
• Loss runs required

General underwriting guidelines:

• Minimum 1 year continuous workers’ compensation coverage
• Minimum $50,000 payroll

Eligibility

• No high percentage of alzheimer’s or dementia patients
• Employees must be trained on proper lifting technique when handling patients