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Workers' Compensation

  • No Premium Deposit; Pay-As-You-Go
  • No Audit
  • Low Group Rates
  • All Premiums Paid and Reconciled on Your Behalf

Paygo is a traditional workers' compensation solution that does not require payroll to be included.  The client receives a stand alone policy as a named insured just like in the standard market.  The beauty of this product is that the client is billed on actual wages not estimated.  On a per payroll basis the client forwards their finished payroll data to the provider.  The provider then bills the client on earned premium not estimated.  This is a huge step forward in streamlining cash flow and minimizing year end audits.  Additionally this product is paired with comprehensive loss prevention and claims management services.

General Liability

  • 15% Down Payment
  • Blanket Additional Insured
  • Waiver of Subrogation
  • Limits Up to $1,000,000 Per Occurance / $2,000,000 General Aggregate

Paygo Carrier and Underwriting Guidelines

MARKET A-RATED CARRIER AMTRUST
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Rating A A
States Available All but FL, NY, NJ, MA, ME and monopolistic All but monopolistic (Note: no NY contractor risks)
Submission Requirements Completed ACORD, eMod, minimum three years loss runs valued within 60 days, payroll/premium history, supplemental for contractors Completed ACORD, minimum three years loss runs valued within 90 days, eMod, payroll/premium history
Additional Requirements eMod up to1.79, minimum premium for non-construction $7500/construction $10k Must have at least two employees, need details of claims over $25k
Appetite Home health, assisted living, group homes, social services, manufacturing, pizza delivery, plumbing, HVAC, electrical, carpentry, wallboard, excavation, incidental delivery for manufacturers is okay, janitorial with no heights, concrete/stone cutting, non-emergency ambulance, towing if incidental to primary operation, armed security guards. Office exposures, auditors, IT, insurance, banks, attorneys (not personal injury), physician offices, real estate, inspection services, motion pictures, schools, retail stores, pharmacies, hardware, jewelers, florists, barber shops/salons, appliances, family bakeries, auto sales, grocery, light construction including electrical wiring within buildings, alarm and cable installation, carpentry, HVAC, fence erection, appliance installation, landscapers (no tree trimming), concrete flat work (only), masonry, plumbers, hospitality including restaurants (no 24 hours), country clubs, hotels, light manufacturing including hardware, lighting, clothing, furniture, electrical apparatus, instrument, pottery, precision shop, tool (not drop or machine forged)
General Exclusions No heights over 3 stories, 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. No heights, no roofing, no trucking, no concrete work, no towing, no weapons carrying, no mold/asbestos, hospitals, no home health, no drug rehab, no group homes, no sports, no dance, theater, adult entertainment establishments, no volunteers/interns must have coverage elsewhere, no farms or animals, no mining, no rock/quarry, no foundry, no welding, no electroplating, no aviation, no oil refineries, no gas/wel, no explosives/ammunition, no USL&H or other federal based exposures, temp/staffing firms, no tunneling, no mining, no sign erection, no logging or saw mills, no work below 4 feet below grade, no silica, cotton dust, coal dust, lead, no limo/taxi, buses, no General Contractors
Turnaround 1 to 3 business days, depending on risk 2 to 7 days
MARKET NATIONAL AVIATION PROGRAM (Amtrust) NATIONAL PAYGO PROGRAM (Markel)
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Rating A A
States Available All but monopolistic CA only
Submission Requirements Completed ACORD, Beacon Aviation Operations and/or Beacon Pilot supplemental apps, minimum three years loss runs valued within 90 days Completed ACORD, eMod, minimum three years loss runs valued within 90 days
Additional Requirements eMod 1.20 or lower, minimum premium $5k or $10k for flight schools, aviation exposure premium must be at least 50% of total premium Mod less than 1.20, premium less than $35k
Appetite Flight school, charters, fixed base operators, airline service companies, airport authority, private company jet (can write the pilot only) Office exposures, auditors, IT, insurance, banks, attorneys , physician offices, real estate, inspection services, schools, retail stores, pharmacies, hardware, jewelers, florists, barber shops/salons, appliances, family bakeries, auto sales, grocery, light construction, alarm and cable installation, carpentry, HVAC, fence erection, appliance installation, landscapers (no tree trimming), masonry, plumbers, hospitality including restaurants, country clubs, hotels, light manufacturing, lighting, clothing, furniture, electrical apparatus, instrument, pottery, precision shop, tool (not drop or machine forged)
General Exclusions No aerial firefighting, no aerial applicators (crop dusting), no helicopter operations, no search and rescue, no sky diving, no stunt flying No locations within Excluded zip codes (beginning with 900-918, 922-925, 928, 930, 935), no co-employment (PEO), no current lapse, no heights over 2 stories, no depths exceeding 4 feet, no travel radius exceeding 200 miles, no hazardous material handling, no subcontractor exposure in excess of 25%, no off-ground tree trimming.
Turnaround 7 days 24-48 hours

Reporting Made Easy

  • Online Reporting Via Our One-Of-A-Kind PayGo Module
  • Upload Payroll Data Directly to the Module For Easy Reconciliation
  • Advanced Reminders When Submissions Are Due
  • Online Payment For GL and Workers' Comp

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