Ideal Accounts and Appetite
This program targets a broad range of light to medium manufacturing operations. New ventures are eligible and PEO carve-outs are accepted with the required documentation. Typical fits include small metal fabrication shops, regional food packaging facilities, component manufacturers, and similar operations without heavy industrial exposures.
Basic eligibility includes a $3,000 minimum premium. Accounts with high-risk work (for example, domestic, aviation, or federal contracts), extensive 24-hour confined-space operations, or active tax liens/bankruptcy are not eligible. Group transportation is limited to no more than five employees per vehicle. If an account has a lapse in coverage, it should be referred to underwriting for review.
Coverage Highlights and Advantages
- Guaranteed cost and dividend plan options (FL only)
- Online loss runs for faster claims visibility
- UPAY — As-You-Go payroll reporting to help insureds manage cash flow
- Direct bill and monthly self-reporting available (5% non-working deposit required)
There is no cap on experience modification factors, which increases placement flexibility for accounts with complex loss histories. Height and underground work have limits (no more than 20 feet or 2 stories above ground; no more than 6 feet below ground).
Underwriting Notes
- Minimum premium: $3,000 (no stated maximum)
- New ventures are eligible
- Group transportation limited to five employees per vehicle
- Accounts with a lapse in coverage must be referred to underwriting
- PEO carve-outs require loss history, a signed PEO/client contract and amendment, and a labor endorsement
- Height and depth restrictions apply
- Tax liens and bankruptcies are ineligible
State Availability
This program is available in most states nationwide, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, WI. Coverage in California and Oklahoma is limited and incidental; those states cannot be designated as the governing state for a policy.
Why Work With U.S. Risk Insurance Group?
As an experienced Managing General Agency, U.S. Risk pairs program expertise with efficient placement services. Agents benefit from underwriting teams that understand manufacturing exposures, access to an A-rated carrier, flexible payment structures, and tools that simplify account management—like online loss runs and UPAY payroll reporting. The UPA division focuses on workers' compensation programs, so you get specialized support when placing manufacturing business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Light to medium manufacturing operations, including new ventures and PEO carve-outs (with required documentation), are ideal candidates.
Is this program available for businesses with 24-hour operations?
Yes. Businesses with 24-hour shift work are eligible provided there are no other high-risk exposures that would change underwriting classification.
Can I submit an account with a lapse in coverage?
You can submit such accounts, but any lapse must be referred to underwriting for review and possible additional requirements.
What are the payment plan options?
Available plans include UPAY As-You-Go payroll reporting, direct billing, and monthly self-reporting (monthly reporting requires a 5% non-working deposit).
Are PEO carve-outs allowed under this program?
Yes. PEO carve-outs are accepted when accompanied by loss history, a signed PEO/client contract and amendment, and the required labor endorsement.
Need help placing an account? Connect with a market specialist.