HOW TO SUBMIT NEW BUSINESS
Workers Comp Markets & Appetite Guide
Requirements:
- At least one full-time observed employee
- Some industries will require 3 years of prior coverage
- No heights over 15 feet
Appetite:
- Main Street business – such as law offices, retail shops, banks, doctor’s offices, and insurance agencies
- Precision Machining/Light Manufacturing
- Auto repair/sales
- Restaurants, fast food and sports bars
- Religious Organizations
- Convenience Stores
- Landscaping
- Artisan Contractors – such as heating and air, plumbing, and electrician
Requirements:
- minimum of 10k in premium
- 3 years prior coverage
- Pre-quote safety inspection
- No height restrictions
Appetite:
- Agriculture
- Construction
- Manufacturing
- Roofing
- Trucking
- Maritime
- Oil and Gas
- Garbage Collection
- Telecom
Requirements:
- minimum premium of $5,000
- minimum total payroll of $1,000
- 3-5 years of loss history
- 5 years of historical payroll and premium
Appetite:
- Applied is willing to consider all risks that meet their minimum requirements
Requirements:
- No heights over 30 feet
- Low claim frequency
- Premium less than $75,000
Appetite:
- Small trucking companies
- Roofers
- Contractors
- Landscaping including tree removal
Other Commercial Lines Markets and Appetite Guide
**We must also write the workers comp policy to write additional lines of coverage**
Lines of Business
-
- BOP
- Package
- EPLI
- GL – Artisan Contractors
Appetite
- Main Street Business
- Restaurants
- Churches
- Banks
- Lines of Business
- BOP
- Package
- LOR – with Cannabis tenants
- Appetite – Cannabis Industry risks only
- Retail
- Growers
- Consultants