Workers Compensation

Our approach


We focus on “need to know” underwriting information and leverage tech-enabled processes to support our underwriting approach. That way, we limit the amount of time that we take from our partners and customers so they can spend that valuable time with their customers.


We have partnered with Gallagher Bassett because of their 60 years of Workers Compensation experience. Their shared commitment to service excellence made them a perfect partner as our Third Party Administrator (TPA).

Program highlights include:

2 call centers

24/7 full-scale intake solution and contact management

Fast track claim handling

Claims information transmitted to appropriate adjusting office within an hour

Team approach review

Expert review and consultation by registered nurse, physician, and allied health reviewers

Registered nurse 24/7

Employees/supervisors have access to a toll-free number to speak directly with a registered nurse

Return to work

Return to work management program


Dispensary and prescription services that allow access to medications free of charge at the onset of an injury

Structure Highlights

  • Guaranteed cost only  
  • Coverage A – Statutory
  • Coverage B – Employers Liability (EL) limit options of
    • $500,000/$500,000/$500,000; or
    • $1,000,000/$1,000,000/$1,000,000
    • Stop gap (EL) coverage in monopolistic states
  • Dividends – currently not available
  • Federal coverages of USL&H, Jones Act, etc. – not within our preferred risk appetite

Preferred Risk Characteristics

  • Workers Compensation as part of an Elevate account
  • Middle-sized businesses (typically with annual premiums between $10,000 - $250,000 per year)
  • In business 3 years or more
  • Better to best in class risks that have demonstrated a commitment to safety

Targeted Industries

  • Manufacturing
  • Real Estate
  • Wholesale/Retail
  • Professional Services
  • Hospitality

Workers Compensation state availability