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DESCRIPTION |
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Workers’ compensation
for small-to-medium sized employers |
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TERRITORY |
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AR, CA, CO, CT, DE, FL, GA,
IA, IL, IN, KS, MA, MD, ME, MI, MN, MO, NC, NE, NH, NM, NV,
OK, PA, RI, SC, TN, UT, VA, VT and WI |
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COVERAGE |
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Statutory Workers’ Compensation
$5,000 minimum manual premium
$150,000 maximum manual premium (see your PointSure underwriting
specialist for exceptions)
• Guaranteed Cost Plan
• Experience modification factor between .70 and 1.80
• Specialized claims and risk control services with expertise
in workers’ compensation
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AM BEST RATING |
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A+ XV (Superior)* |
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TARGET CLASSES |
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Over 700 classes
in many states, including select new ventures.
Do not submit risks with the following characteristics:
• Risks using volunteers
• "1099" employees
• USL&H, Maritime, Defense Base Act and/or FELA exposure
• Working from heights exceeding 25 feet or depths exceeding
6 feet
• 24 hour convenience stores/service stations
• Home-based employees
• Lapsed insurance (no coverage currently in force)
• Risks in NCCI hazard group IV
• Risks with liquor sales exceeding 40% of receipts
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APPLICATIONS |
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• Completed Acord application
#130, signed by producer and applicant
• Valid FEIN number
• 5 years hard-copy loss runs, valued within 90 days
of coverage inception
• Detailed description of all claims with total incurred
amount of $25,000 or greater
• Current experience modification worksheet
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