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| DESCRIPTION |
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| Guaranteed Cost and Retrospective
Rating Plans |
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| TERRITORY |
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| AK, AL, AR, AZ, CA, FL, GA, IA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NE, NJ, NV, OK, OR, PA, TN, TX, VA & WI with supporting coverage in select other
states |
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| COVERAGE |
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Statutory Workers' Compensation, U.S. Longshore and
Harbor Workers' Act (USL&H), and Maritime Employers'
Liability (MEL)
Minimum Premium: $100,000 EAP (except
classes with special eligibility - see below)
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| AM BEST RATING |
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| TARGET CLASSES |
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Most contracting classes paying the prevailing wage
and offering a benefits package with the exception
of (Do Not Submit):
- Asbestos or lead abatement contractors
- Demolition Contractors
- Employee leasing/Temporary agencies/PEO's
- Roofing
- Ship Breaking
- Tree Pruning
- Trucking - long haul more than incidental
The following classes have special eligibility criteria
(call for information):
- Oil & Gas (LA & TX only)
- Framing Contractors (premium ≥$250k)
- Insulation Contractors (premium ≥$500k/250k)
- Wallboard/Plasterer Contractors (premium ≥$250k)
- Ironworkers (Collectively Bargained Workers' Compensation
only - 50% of payroll must be subject to ADR)
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