Construction, utilities, manufacturing, energy, agriculture and trucking. We place high-hazard workers' compensation with markets that use modern, data-driven underwriting and reward safe operators.
Smaller contractor, or paying under $50,000 a year? Use our contractor comp page.
After a decade of falling rates, California comp has turned. The state's benchmark rate rose 6.6% for policies starting September 1, 2026, and carriers are filing their own increases right behind it.
Most carriers price you by class code. If you're a roofer, a concrete contractor or a trucker, you pay for your whole industry's claims. Your e-mod helps a little, but it looks backward and barely moves for smaller companies.
A new generation of carriers uses AI and data science to find the businesses that are statistically safer than their class, then prices them that way. Your loss history, payroll, premium and safety record finally count.
We place high-hazard accounts with carriers that use this kind of underwriting, so safe operators get priced like safe operators.
Submit for a quote Renewal in the next 90 days? Now's the time to shop.
These are the industries where standard carriers pull back and our markets lean in.
Carpentry, roofing, framing, drywall, stucco, painting, concrete, masonry, paving, excavation, sewer and water lines.
Electrical, plumbing, sprinkler, elevator, boiler, conduit and power line construction.
Concrete products, steel, pipe and tube, forging, lighting fixtures, chemical and gas manufacturing.
Well cementing, logging and survey, lease work, specialty equipment, pipeline construction and operation.
Tree pruning and spraying, irrigation works, farm machinery operation, feed and fertilizer dealers, grain storage.
Towing and roadside, water trucks, scrap dealers, cold storage, construction yards. Unlimited radius.
A sample of the California class codes in appetite. Don't see yours? Submit anyway; we place many more.
Company details, payroll by class and your documents, in one form.
We check your classes, loss history and e-mod, and reach out only if something's missing.
We match your classes to markets that want them and that credit safe operations.
We walk you through pricing, credits and terms before your renewal.
Class codes with higher injury rates and higher base rates, such as roofing, framing, excavation, steel erection, oil and gas work, and heavy manufacturing. Many standard carriers limit or decline these classes.
Underwriters price on recent, up-to-date claim history. "Currently valued" means the report was run in the last 60–90 days, so open claims show their latest reserves.
It's the experience modification calculation from the WCIRB (in California). It shows how your claims compare to similar businesses and directly changes your premium.
Our high-hazard markets are built for accounts paying roughly $50,000 or more a year in California comp. Smaller contractors can use our contractor comp page.
60 to 90 days before your renewal gives underwriters time to review your submission and compete for it.
That's the right time to shop high-hazard comp. Send your loss runs, e-mod worksheet and payroll now.
Submit for a quoteQuestions? Call (855) 867-0002, weekdays.