Recent Success

Class Code: 0928 – Retail store

Hazard group: B

ExMod: 1

Bound Premium: $6,269

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• $0 minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility

• Cannot operate as a pawn shop, sell firearms, sell airsoft/paintball equipment, or have firearms on premises 
• No products that contain THC

Class Code: 9082 – Restaurant
Hazard group: A

ExMod: 0.99

Bound Premium: $28,765

Unique Characteristics:

• Had 2 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• No minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility:

• No live entertainment

Class Code: 5645 – Carpentry construction of residential dwellings

ExMod: 0.86
Hazard group: C

Bound Premium: $4,099

Unique Characteristics:

• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• Minimum 1 year continuous workers’ compensation coverage
• $50,000 minimum payroll

Eligibility

• No employees above 25 feet
• OSHA safety guidelines must be followed when working above ground or on rooftops
• No employees primarily engaged in structural rough framing

Class Code: 8832 – Physician and clerical

ExMod: 1.22
Hazard group: C

Bound Premium: $9,276

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms

General underwriting guidelines:

• New venture-eligible
• $0 minimum payroll
• Considered a preferred class, so loss runs aren’t required

Eligibility

• No 24-hour service 
• Cannot operate as a detox center, mental health hospital, or psychopathic institution 
• No specialized treatment of highly infectious diseases
• No air evacuation or air ambulance transport

Class Code: 8824 – Retirement living center

ExMod: 0.77
Hazard group: A

Bound Premium: $3,327
Dividend: .4

Unique Characteristics:

• Class code is eligible for instant quote
• Had 0 claims in the past 3 policy terms
• Loss runs required

General underwriting guidelines:

• Minimum 1 year continuous workers’ compensation coverage
• Minimum $50,000 payroll

Eligibility

• No high percentage of alzheimer’s or dementia patients
• Employees must be trained on proper lifting technique when handling patients