Industries Served

Workers' Compensation Solutions for Difficult-to-Place Industries 

Finding reliable workers' compensation insurance can become difficult when a business operates in a high-risk industry, has an unfavorable claims history, or falls outside the underwriting appetite of traditional insurance carriers. PEO Insurance Brokers Network helps insurance agents find workers' compensation and Professional Employer Organization (PEO) solutions for insureds across some of the most challenging industries to place. 

We work with agents whose clients need coverage because of high Ex-Mods, previous claims, lapses in workers' compensation coverage, new ventures, audit issues, multi-state operations, or difficult class codes. Our network allows us to explore PEO programs and workers' compensation options based on the individual needs and risk profile of each account. 

From construction workers' comp and trucking workers' compensation to coverage for healthcare, staffing, manufacturing, roofing, warehouses, and other specialized industries, we help agents find a home for accounts that may have limited options in the standard market. 

Construction Workers’ Compensation and PEO Solutions

Construction businesses face significant workers’ compensation risks because employees regularly work around heavy equipment, power tools, changing jobsites, ladders, scaffolding, and physically demanding materials.

We help agents find construction workers’ comp insurance, workers’ compensation insurance for contractors, and PEO solutions for construction companies that may be difficult to place through traditional carriers.

Construction accounts can include general contractors, specialty contractors, new construction companies, and other businesses with employees working on active jobsites. Depending on the account, a construction PEO may also help with payroll administration, HR responsibilities, employee classifications, and workers’ compensation management.

For agents searching for a PEO for construction, our network can help compare available programs based on payroll, class codes, claims history, Ex-Mod, and the specific type of construction being performed.

Transportation and Trucking Workers’ Compensation

Transportation companies face a combination of driving exposure and physically demanding work. Employees may be responsible for operating commercial vehicles, loading and unloading freight, moving materials, inspecting equipment, and working long hours.

We help agents seeking trucking workers’ comp, workers’ comp for truck drivers, workers’ compensation for trucking companies, and PEO solutions for transportation businesses.

Transportation accounts may include:

• Trucking companies
• Local and regional delivery companies
• Logistics operations
• Freight transportation businesses
• Commercial drivers
• Transportation support operations

Vehicle accidents can create serious claims, but transportation workers may also experience back injuries, strains, falls, loading injuries, and other job-related accidents. Because of these exposures, obtaining workers’ compensation insurance for truck drivers can be challenging for some employers.

A transportation PEO can provide another option for eligible businesses that need workers’ compensation together with payroll, HR, and employment-related support.

Healthcare Workers’ Compensation and PEO Services

Healthcare workers face occupational hazards ranging from patient handling and repetitive strain to slips, needlestick injuries, workplace violence, and exposure to infectious materials.

PEO Insurance Brokers Network helps agents find healthcare workers’ compensation insurance and PEO services for healthcare companies that need specialized coverage.

Healthcare accounts may include:

• Medical practices
• Healthcare facilities
• Inpatient and outpatient operations
• Drug and alcohol rehabilitation facilities
• Healthcare support businesses
• Other businesses employing medical and care professionals

A PEO for healthcare companies can help combine workers’ compensation with payroll administration, HR support, employee benefits, and compliance services.

Whether an agent needs workers’ compensation insurance for a medical business or a broader healthcare PEO solution, we help evaluate programs suited to the insured’s workforce and risk profile.

Temporary Staffing Workers’ Compensation and PEO Solutions

Staffing companies present unique workers’ compensation challenges because their employees can work at multiple client locations and perform dramatically different job duties.

We help agents looking for:

• Staffing agency workers’ comp insurance
• Workers’ comp for staffing agencies
• Workers’ comp for staffing companies
• Temporary staffing workers’ compensation
• PEO solutions for staffing companies

Accurate employee classification is especially important in the staffing industry. A staffing company placing clerical workers has very different exposures than one supplying employees to warehouses, construction companies, manufacturing facilities, or industrial operations.

PEO and workers’ compensation programs for staffing agencies can help employers manage changing payroll, multiple class codes, employee onboarding, HR responsibilities, and claims administration.

Roofing Workers’ Compensation Insurance

Roofing contractors work at elevation while handling tools, equipment, and heavy materials. Falls from roofs and ladders, power tool injuries, material handling incidents, and heat exposure can result in severe workers’ compensation claims.

We help agents find roofing workers’ comp, workers’ comp for roofing contractors, and workers’ compensation insurance for roofing companies, including accounts that may have prior claims or higher experience modification rates.

PEO programs can also provide roofing contractors with a combination of workers’ compensation, payroll, HR support, and risk management services.

Armed Security Guard Workers’ Compensation

Security companies and armed guards can experience workplace injuries involving physical confrontations, slips and falls, vehicle incidents, and other security-related hazards.

We help agents secure security guard workers’ comp insurance and workers’ compensation solutions for armed security companies that may be difficult to place because of their occupational exposures.

PEO solutions may also provide security companies with payroll administration, HR support, employee benefits, and workers’ compensation management within a single program.

Tree Service and Tree Trimming Workers’ Compensation

Tree service professionals routinely work around chainsaws, falling limbs, climbing equipment, bucket trucks, heavy trees, and electrical lines.

We help agents find tree service workers’ comp insurance, tree care workers’ compensation, and workers’ compensation for tree trimming and removal businesses.

Accounts can include tree trimming, tree removal, arborist services, tree excavation, storm cleanup, and other tree care operations.

Manufacturing Workers’ Compensation and PEO Services

Manufacturing employees may work around production machinery, forklifts, conveyors, chemicals, repetitive processes, and heavy materials.

We help agents find workers’ compensation and PEO solutions for manufacturing companies ranging from smaller production businesses to larger industrial operations.

Proper class codes, documented safety procedures, claims management, and accurate payroll reporting can all play an important role in finding the right workers’ compensation program for a manufacturing account.

Workers’ Compensation for Warehouses and Storage Companies

Warehouse employees face risks from forklifts, loading docks, falling inventory, repetitive lifting, conveyors, pallet jacks, and other equipment.

We help agents find workers’ compensation insurance and PEO services for:

• Warehouses
• Distribution centers
• Storage businesses
• Fulfillment operations
• Related logistics facilities

Warehouse accounts with previous claims, large payrolls, or difficult employee classifications may benefit from access to specialized PEO and workers’ compensation programs.

Recycling Company Workers’ Compensation

Recycling operations combine machinery, vehicles, material handling, sharp objects, repetitive work, and potentially hazardous materials.

Workers’ compensation coverage for recycling companies may need to account for sorting employees, equipment operators, drivers, warehouse personnel, and other occupational classifications.

Our network helps agents find PEO and workers’ compensation options for recycling companies with complex or difficult-to-place risk profiles.

Logging Workers’ Compensation

Logging and forestry employees work around chainsaws, falling trees, heavy equipment, rugged terrain, and remote worksites.

These exposures make workers’ compensation for logging companies particularly challenging to place through some standard insurance markets.

We help agents explore specialized PEO and workers’ compensation solutions for logging, forestry, timber harvesting, and related operations.

Agriculture Workers’ Compensation

Agricultural operations can involve machinery, vehicles, animals, physically demanding work, outdoor hazards, and seasonal employees.

PEO Insurance Brokers Network works with agents seeking workers’ compensation solutions for agricultural businesses and other farming-related operations that may require specialized underwriting.

Cannabis Workers’ Compensation

Cannabis cultivation, processing, distribution, and retail operations can present unique underwriting challenges.

Employees may encounter chemical and mold exposure, equipment hazards, repetitive tasks, slip-and-fall risks, or workplace security concerns depending on the type of operation.

We help agents find workers’ compensation and PEO solutions for cannabis businesses that may have difficulty obtaining coverage through traditional markets.

USL&H Workers’ Compensation

Businesses performing qualifying work on or near navigable waters may have workers’ compensation obligations under the U.S. Longshore and Harbor Workers’ Compensation Act.

USL&H risks require specialized knowledge because employers may need federally compliant coverage in addition to traditional state workers’ compensation.

We help agents explore PEO and workers’ compensation solutions for maritime, waterfront, shipyard, dock, marine construction, and other qualifying USL&H operations.

Professional Employer Organizations

PEO Insurance Brokers Network also works with Professional Employer Organizations that need access to workers’ compensation programs, including master workers’ compensation policies and guaranteed cost solutions.

PEOs manage employees across many businesses and industries, making carrier relationships, class-code appetite, claims experience, and program structure important considerations when finding coverage.

Why High-Risk Workers’ Compensation Accounts Can Be Difficult to Place

An industry does not have to be inherently uninsurable to become difficult to place. A combination of underwriting factors can limit the number of carriers willing to consider an account.

High Ex-Mod Workers’ Compensation

An employer’s experience modification rate can significantly influence workers’ compensation pricing and carrier appetite.

Businesses with a high Ex-Mod may find that traditional carriers increase premiums, impose stricter requirements, or decline to offer coverage entirely.

We specialize in helping agents explore workers’ compensation solutions for high Ex-Mod businesses, including clients operating in industries that already have elevated occupational risks.

Lapsed Workers’ Compensation Insurance

A previous lapse in workers’ compensation insurance can make finding a new policy difficult.

We work with agents seeking lapsed workers’ compensation insurance solutions for insureds that need to restore coverage and continue operating.

A lapse does not necessarily mean that an account cannot be placed. The available options depend on the circumstances surrounding the lapse, the business’s industry, payroll, loss history, and other underwriting factors.

New Ventures

Businesses without an established workers’ compensation history can also have trouble obtaining coverage.

New ventures in high-risk industries such as construction, transportation, staffing, tree service, roofing, and manufacturing may face additional underwriting scrutiny because carriers have limited historical loss information to evaluate.

Our network gives agents another resource for finding PEO and workers’ compensation options for qualifying new businesses.

Previous Audit Problems

Workers’ compensation audits can create significant additional premiums when actual payroll, employee duties, or classifications differ from what was originally reported.

Accounts with previous audit issues may require a different workers’ compensation structure or more accurate ongoing payroll reporting.

Multi-State Workers’ Compensation

Businesses with employees working in multiple states may need a workers’ compensation program capable of handling different state requirements, payrolls, and classifications.

PEO solutions can be especially valuable for businesses with a geographically distributed workforce because payroll, workers’ compensation, HR, and related administrative responsibilities can be managed through one relationship.

How PEO Services Help High-Risk Businesses

A Professional Employer Organization enters into a co-employment relationship with a client business and can manage a range of employment-related responsibilities.

Depending on the program, PEO services can include:

• Workers’ compensation
• Payroll processing
• Payroll tax administration
• Human resources support
• Employee benefits
• Employment Practices Liability Insurance
• Risk management and claims support

For businesses that struggle to obtain traditional workers’ compensation insurance, access to a PEO master workers’ compensation program can provide another potential solution.

Finding the Best PEO for a High-Risk Business

The best PEO for one company may not be the best PEO for another. Industry, employee classifications, payroll, claims history, Ex-Mod, state exposure, and required services all affect which program is appropriate.

A roofing company and a medical practice should not be evaluated the same way. Neither should a construction contractor and a temporary staffing company.

PEO Insurance Brokers Network helps agents compare available programs based on the actual needs of their insured instead of relying on a one-size-fits-all PEO solution.

PEO or Guaranteed Cost Workers’ Compensation?

Not every client needs full-service PEO support.

Businesses that primarily need workers’ compensation may qualify for a guaranteed cost workers’ compensation policy. Under a guaranteed cost structure, the premium is based on factors including payroll, job classifications, industry, and claims experience.

For clients that also need payroll, HR, benefits, and broader administrative support, a PEO may provide a more comprehensive solution.

We help agents evaluate both options and determine which structure makes the most sense for their insured.

Workers’ Compensation Solutions for Difficult-to-Place Accounts

PEO Insurance Brokers Network focuses on helping insurance agents find solutions for workers’ compensation accounts that can be difficult to place through traditional channels.

We work with accounts involving:

• High Ex-Mods
• Lapses in coverage
• New ventures
• Previous workers’ compensation claims
• Audit issues
• Multi-state risks
• Difficult class codes
• High-risk industries

Instead of allowing an occupational classification or challenging insurance history to end the search for coverage, we help agents explore available PEO and workers’ compensation programs.