The business types shown below represent our high quote ratio/high hit ratio classes for Workers’ Compensation – where we are winning! Check back frequently for updates.
Auto Service & Repair
- Auto body, paint, and interior repair and maintenance
- Auto glass replacement
- Car washes
- New car dealers
Sales: <= 50% from delivery, service or repair of commercial trucks/trailers, buses, RVs, or agricultural equipment. Certain restrictions apply in MA.
Contractors
- Carpentry
- Glass and glazing
- Electrical and other wiring installation
- HVAC
- Masonry – ground level services
- Painting and Wall Covering
- Plumbing
- Poured Concrete – flat work
Work height <= 3 stories, commercial or residential only, <=15% of work done on commercial boilers, sub-contractor exposure <= 25%, at least 2 years of prior consecutive experience preferred. Roofing work ineligible. Certain restrictions apply in FL, NY and WI.
Hospitality
- Buffets
- Cafeterias
- Full cooking restaurants
- Hotels
- Limited cooking restaurants
Restaurant sales preferred: <= 30% delivery, <=15% offsite catering, <= 30% liquor; 24-hour operations will be referred to underwriting
Professional Offices
- Accounting, tax preparation, bookkeeping, payroll services
- Administrative
- Advertising agencies
- Attorneys/law offices
- Insurance agencies and brokerages
- Medical offices (dentists, physicians, optometrists)
- Mortgage/non-mortgage loan brokers
- Real estate agencies
Businesses with leased employees and certain non-clerical/atypical exposures are ineligible.
Retail Stores
- Beer, wine, liquor
- Clothing
- Convenience stores w/gas sales
- Gas Stations w/convenience stores
- Grocery/supermarkets
- Jewelry
- Meat
- Other retail stores (exceptions apply)
Excluding cutting, trimming deboning, slaughter or any other meat-processing operations
Exceptions may apply by class, state, and carrier. This list is not all inclusive. The final qualifying criteria for any applicant depends upon the particular nature of the risk and is subject to all company underwriting guidelines and state-specific laws and regulations.
Updated 03-25-25
