Hard to place risks (eQBE and QBE)
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Unisource Program Administrators (UPA) has a market for hard to place workers’ compensation risks with premiums starting at $5,000 and no maximum limit. UPA and its carrier partner QBE might be the answer for your small and middle market accounts.
Underwriting guidelines
- Hard to place risks with high experience mod showing signs of recuperation
- Guaranteed cost only
- Premium financing available
Small business (eQBE)
- Accounts with a minimum premium of $5,000
- Available states: AL, AR, CO, CT, DC, HI, ID, IL, IN, IA, KS, LA, MD, ME, MO, MS, NE, NV, NH, NM, NC, OK, RI, SC, TN, TX, UT, VT, VA
Middle market (QBE)
- Accounts with a minimum premium of $75,000
- All of the above mentioned states, plus: DE, MA, MI, NJ, PA
- Incidental states: AK, AZ, CA, FL, GA, KY, MN, MT, NY, OR, SD, WV, WI
Targeted industries
- Security guards
- Construction - all types
- Healthcare accounts:
- Nursing homes
- Senior housing
- Assisted living facilities
- Transportation
Submission requirements
- ACORD 130 - workers' compensation application
- Experience mod worksheet
- Three years' currently valued loss runs
- Supplemental applications (if needed)
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States Available:
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