Market |
National PEO (Zurich) Combined Workers' Comp. and Payroll Services |
National PEO (AIG) Combined Workers' Comp. and Payroll Svcs |
Website |
Click here |
Click here |
Rating |
A |
A |
States Available |
All but monopolistic |
All but monopolistic |
Submission Requirements |
Completed ACORD (must be sure to include employee counts), eMod, minimum three years loss runs valued within 30-60 days |
Completed ACORD, eMod, minimum three years loss runs valued within 90 days, payroll/premium history |
Additional Requirements |
Minimum of $100k payroll required, eMods over 1.60 require further review, need details of claims over $25k, need to know reason for any lapse in coverage |
eMod must be 1.50 or lower, 40% loss ratio or better |
Appetite |
Framers, incidental delivery other than food, new in business with prior experience can be approved, USL&H available for dock workers but no on-water exposure, staffing can be submitted but tougher to place |
Home health, assisted living, manufacturing, pizza delivery, plumbing, HVAC, electrical, limo services if not start-up, incidental delivery for manufacturers is okay, janitorial with no heights, concrete/stone cutting, non-emergency ambulance, towing if incidental to primary operation, excavation |
General Exclusions |
No heights over 20 feet, no roofing, no trucking, no towing, no weapons carrying, no mold/asbestos, no food delivery, volunteers/interns must have coverage elsewhere, no farms or ranching, no mining, no rock/quarry, no butcher/meat products manufacturing, no foundry, no welding, no electroplating, no aviation, no oil refineries, no gas/well, no explosives/ammunition, no sprinkler installation within buildings, no street construction, no hazarous material hauling/treatment/storage, no athletic teams, no child care |
No heights, no roofers, no steel erection, no asbestos, no trucking, no towing companies, no sewers, no seasonal workers, no aviation, no oil/gas, no explosives, no firearms, no tunnel.subway maintenance or construction, no hazardous materials, no General Contractors, no 24 hour operations such as convenience store or gas stations, no rock/quarries, no sandblasting, no logging |
Turnaround |
Depending on risk |
Depending on risk |
Market |
Regional PEO Program (Zurich NA) |
|
Website |
Click here |
|
Rating |
A+ |
|
States Available |
AL, GA, FL Only |
|
Submission Requirements |
Completed ACORD, 3 years loss runs valued within 90 days, eMod |
|
Additional Requirements |
Must do pre-bind safety inspection. |
|
Appetite |
Heights okay, roofing, framing, sheet metal, masonry, structural concrete, painters,. |
|
General Exclusions |
No cell towers, mo temp staffing, no long-haul, no pest control with tenting. |
|
Turnaround |
Unknown |
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