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Non-Construction Underwriting Guidelines

  • 3 full-time employees in the governing class code other
    than owners/officers
  • $1,000 minimum premium
  • Experience Mod: Maximum 1.40
  • New Venture must have minimum of 3 years experience
  • Good financial standing
  • NCCI Hazard Grade 4 and/or Best Hazard Index 9 & 10
    are prohibited


Construction Underwriting Guidelines

  • 4 full-time employees in the governing class code other
    than owners/officers
  • 3 years of current Workers’ Compensation coverage with
    no lapse in coverage
  • Experience Mod: Maximum 1.40
  • Height exposure cannot exceed 15’
  • Good financial standing
  • A written Safety program in place or the implementation
    of it within the policy year
  • NCCI Hazard Grade 4 and/or Best Hazard 9 & 10 are
    prohibited