For insurance brokers working with difficult-to-place accounts, a high EMR can quickly turn a standard renewal into a complicated placement challenge. Once an employer’s experience modification rate climbs above industry averages, many traditional workers’ compensation carriers begin tightening underwriting requirements, increasing premiums, or exiting the account altogether. Construction [...]
It’s every agent’s nightmare: your client receives a non-renewal notice and suddenly, the clock starts ticking. Whether it's due to a spike in claims, a rising mod score, or a shift in the carrier's underwriting appetite, being non-renewed can leave your client exposed—and ready to shop around. Common [...]
When your client ends up in the assigned risk pool, it’s rarely a win. Often referred to as the “last resort” for Workers’ Compensation, assigned risk programs are designed for businesses that can’t secure coverage through the voluntary market. But the trade-offs are steep. Common Challenges of Assigned [...]
Creating beauty products often involves working with chemical ingredients that can pose health risks if mishandled. While cosmetic goods promote external wellness, the process of producing them can put employees in jeopardy. Workers in cosmetic manufacturing may be exposed to: Fragrance allergens Preservatives like parabens and formaldehyde-releasing agents [...]
Medical goods manufacturers create essential products like masks, thermometers, and surgical equipment. But the work environment presents ongoing risks. Top risks include: Noise exposure from machinery leading to hearing loss Repetitive motion injuries (i.e., carpal tunnel from assembly tasks) Slip-and-falls in production areas Back and neck strain from [...]
Oilseed crops such as soybeans, sunflower, and canola power everything from cooking oil to pharmaceuticals. However, cultivating and harvesting these crops involves real risk. Workers in oilseed farming may face: Tractor and combine rollovers Pesticide and herbicide exposure Repetitive strain injuries Slip-and-falls during irrigation or storm prep The [...]
Farmers in rice and soybean operations are at the mercy of the elements. From extended hours under the blazing sun to operating machinery in muddy or waterlogged fields, workers regularly face environmental hazards that traditional insurers often overlook. Common risks include: Heatstroke and dehydration Frostbite and hypothermia Slip-and-falls [...]
Wheat farming sustains much of the U.S. food supply but comes with significant exposure risks. Fertilizers, pesticides, herbicides, and fungicides are frequently applied in large-scale wheat operations. Repeated exposure to these substances can lead to: Respiratory issues and lung damage Skin irritation or chemical burns Eye injuries Long-term [...]
Workers Compensation for USL&H Working at sea comes with many risks, and state Workers’ Compensation often isn’t enough to protect your clients from risks like drowning, equipment injuries, weather-related accidents, and more. At PEO Insurance Brokers Network, this is why we specialize in United States Longshore and Harbor [...]
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