Workers’ Comp
Programs for
Distressed Risks

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Distressed Indicators

Workers’ Compensation insurance is a significant expense for the majority of businesses, with some having a challenging time even finding a program outside of the state assigned risk pool for a variety of reasons. Businesses that fall into one of the following categories or have experienced one or more of the issues below now have a clear path for Worker’s Comp with Uprisk.

For example, employers with workers in high risk class codes, which are assigned based on a workers’ job duties or their scope of work, such as a roofer, may have a difficult time finding a traditional Workers’ Comp solution. Those with a high ex-mod due to an unfavorable claims history also have a challenging time with their Workers’ Comp program.

Uprisk provides Workers’ Comp programs for employers with distressed indicators that include:

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High Cost/High Risk Class Codes
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High Experience Modification Factors
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Previous Coverage Issues
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Multi-State Exposure
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Adverse Loss History
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In or Headed to State Assigned Risk Pools (State Fund)
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Startups
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Bare Workers’ Comp, Cancelled or Never Had Coverage

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