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Iknowaguy Apr 15, 2019 12:53 PM
Why is it that some agencies have no or little interest in helping companies who are classified as high risk for workers comp? It seems to me like once the insured no longer qualifies in the standard market they seem content with sending them to the assigned risk pool.
mhoevel Apr 16, 2019 1:44 PM
Some agencies do not have the carriers who will write the risk any longer usually due to too many claims. I know i was in constant search for carriers who would write a risk who had been tossed to the pool and it is difficult to find. There is a reason those companies are thrown into the pool. Their loss ratio and safety protocol needs alot of attention and its those agents who have had no other option but to put them into the assigned risk pool that needs to seriously do their due diligence and help them out with their safety program and throw in some sort of loss control plan to get them back into the standard market and allow the agent or agency to feel comfortable that this company will no longer put the agency at risk of affecting their loss ration bonuses
Danman Apr 18, 2019 12:26 PM
Remember that once an account goes to the Pool, many agents don't have the carriers with filings that can bridge the wide gap between rates at a 25% debit and Assigned Risk Pool rates. Past performance in the absence of material loss control implementations is the best predictor of future performance. Writing a risk that rocketed to the Pool level at the carrier's maxed rate (excluding informed consent to rate) is liking betting on an inside straight until the last card.    
Iknowaguy Apr 22, 2019 11:29 AM
Thank you for the feedback. I'ev learned that PEO's many times are willing to take on the risk, but it seems agencies and even insureds are leary sometimes of wanting to use them. Why is this the case? Is there a knock on PEO's?
adriansanderson Apr 24, 2019 3:04 PM
There is a knock on PEOs in certain areas of the country due to bad experiences and or the PEO not following through on their end. My PEO is well known in the high risk arena as we own our A rated carrier in house as well as our claims management company. Since our mod is assumed by the insureds that come on with us, any claim made by our clients is seen as a claim made by Southeast Personnel and can effect our mod. Our claims manager is tasked with the protection of the low mod we have and therefore makes us a vested partner with the insured to ensure claims are micromanaged and closed as quickly as possible. This structure has made us the largest private PEO in the country. If you have a client going to assigned risk, and you are not checking with us to see about lowering their up front costs and premium, you are doing your agency and your client a disservice. Agents can have direct access with no vetting and at no cost.. email me if you are interested in this type of program or would like to pick my brain. text or call 727-534-5421
gregheitmann May 1, 2019 7:12 AM

My agency can help you with the companies having a problem with workers compensation insurance.  We have access to dozens of highly regarded PEO's, standard plans, large deductible options and hybrids/combination programs. It all depends on what your insured is looking for.


email me at or call me at 201-797-1084 x202.


Greg Heitmann

Selectpeo May 13, 2019 2:20 PM
Hello, I would be more than glad to help any agencies & clients with high risk comp secure strategic alternative solutions. I own a PEO General Agency. I have contracts with several competitive PEO carriers and some exclusive programs as well.

Matthew Weiss
Selectpeo Inc
sspierce Jun 13, 2019 9:09 AM
Our specialty is high risk because of this. If you have anything come up we can look at it for you. We are not a PEO.

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