Ideal Accounts and Appetite
- Premiums from $2,000 up to $5,000,000
- Most class codes eligible (subject to premium size)
- New ventures and startups welcome
- High experience mods considered
- USL&H exposures handled from incidental to 100%
You can place many account types here — from small contractors with problematic loss histories to established healthcare and transportation operations. If you have an insured with unique operations, significant payroll, or a high mod, Atlantic Risk Specialists can usually find an appetite through its broad carrier panel.
Coverage Highlights and Advantages
- Multiple carrier options to match varied underwriting needs
- Same-day quoting and binding when within binding authority
- Competitive and aggressive payment plans to support client cash flow
Tailored programs are available for charitable and welfare organizations, social service agencies, schools, day care and group homes, churches and counseling services, sheltered workshops, and a range of medical staffing and clerical/physician accounts.
Specialized USL&H-exposed classes include ship builders and marine service companies, marine construction and tank cleaning, stevedoring and marine terminals, and offshore oil & gas operations.
Tough Classes Over $75,000 in Premium
For larger or higher-risk accounts (typically over $75k premium), the program welcomes complex classes such as:
- General contractors, roofers, steel erectors, foundation and framing contractors
- Transportation: truckers, taxis/limos, ambulance and convalescent transport
- Healthcare: hospitals, nursing homes, home healthcare
- Farming, slaughterhouses, quarries, sawmills and related agribusiness
- Security services including armored car operations and armed guards
Underwriting Notes and Submission Requirements
There is no minimum premium to submit. To obtain a timely quote, provide the following:
- Completed ACORD 130 application
- Four years of currently valued, hardcopy loss runs
- Experience mod worksheet or four years of historical payrolls
Providing detailed descriptions of operations, subcontractor usage, and any recent safety or return-to-work programs will improve hit rates and speed placement.
Territories and Availability
This program is available in nearly every state — including CA, TX, FL, and NY — covering all 50 states and DC. Admitted options are available in select markets; non-admitted capacity is used where needed to secure placement.
Why Work With VAIL and Atlantic Risk Specialists
As a wholesale broker, VAIL brings decades of workers’ compensation experience and broad carrier relationships. Atlantic Risk Specialists combines in-house binding authority with creative underwriting and rapid turnaround so you can place both routine and challenged comp risks more efficiently. Our team focuses on solutions — whether you need admitted placement in a regulated state, non-admitted capacity for coverage gaps, or layered options for sizable accounts.
Example account scenarios:
- You have a start-up roofing contractor with a short loss history and a high mod — the program can consider that risk and often find a market through its specialty carriers.
- You represent a regional nursing home group seeking admitted coverage in multiple states — Atlantic Risk Specialists can access admitted options where available and secure non-admitted capacity elsewhere.
Frequently Asked Questions
What types of accounts are a good fit for this Monoline Comp program?
A wide range: social services, healthcare, contractors, marine operations, transportation, and other tough classes. New ventures and high-mod accounts are considered.
Is there a minimum premium requirement to submit an account?
No. There is no stated minimum premium. Typical placements range from about $2,000 up to $5 million in premium.
Do you offer coverage for USL&H exposures?
Yes. The program handles USL&H exposures from incidental to 100%, including marine construction, stevedoring, and offshore operations.
Can you help with high-risk or tough classes?
Yes. We specialize in tough-to-place risks such as roofers, truckers, armed guards, and other higher-exposure classes—particularly for accounts over $75,000 in premium.
What is required to get a quote?
Submit a completed ACORD 130, four years of currently valued hardcopy loss runs, and either an experience mod worksheet or four years of payroll detail.
Need help placing an account? Connect with a market specialist.