The product facts behind the view.
- Paragon describes a monoline workers compensation program for moderate- and higher-hazard business, including transportation, waste hauling, contractors, manufacturing and warehousing. [1]
- The program identifies multiple carrier partners and states that some states are excluded, without publishing a complete state list on the page. [1]
- Its FAQ generally requires three years of previous coverage, with stated exceptions for class 7219 and some transportation risks, and says it does not consider a lapse in coverage. [1]
- A complete submission is described as ACORD 130, the relevant supplemental, an experience-mod worksheet and three to five years of currently valued loss runs. [1]
This is an individual program of Paragon Insurance Holdings. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A business has a recent coverage gap
What were the dates and circumstances, and does current underwriting permit consideration? Address the published lapse restriction before assembling a full quote comparison.
An employer expands into another state
Is that state included and are the new duties correctly classified? Review payroll, employee locations and policy changes before work begins.
The experience mod rises after one serious injury
How do frequency, severity and corrective measures affect the review? Present the claim narrative, current reserves and return-to-work information.
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Provide payroll and class codes by state, prior coverage history and any lapse or new-venture circumstances.
- Include ACORD 130, the relevant supplemental, the experience-mod worksheet and three to five years of currently valued losses.
- Explain loss causes, safety controls, return-to-work practices and transportation or waste-handling operations.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Paragon Insurance Holdings, LLC [2]
Program administrator
The cited product page identifies the program and administrator, but does not identify one legal insurer for every proposed coverage. Confirm the insurer, coverage forms and any separate placements on the actual quote. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Paragon Workers’ Compensation?
Choose “Get a quote with Paragon Workers’ Compensation” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Paragon Workers’ Compensation?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Paragon Workers’ Compensation.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Paragon Workers’ Compensation official product information ↗Checked November 1, 2026
- Paragon Insurance Holdings operating identity ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
Prior coverage is a real appetite gate.
The FAQ generally calls for three years of coverage and identifies limited transportation exceptions; it says lapses are not considered. [1]
Disclose the full history at the outset. A company starting a new entity or changing operations may need its circumstances reviewed rather than assuming experience transfers automatically.
The submission should explain the experience mod.
Paragon requests an experience-mod worksheet and currently valued loss runs. [1]
Separate repeated injury patterns from one severe claim and document corrective action. The number is useful, but the reasons behind it are what make the risk narrative meaningful.
Monoline placement allows a separate P&C decision.
The page explicitly describes workers compensation as monoline and identifies multiple carrier partners. [1]
Evaluate the workers compensation offer on its own terms, including services, state coverage and billing. Do not imply that its carrier or acceptance follows the client’s Paragon property-and-casualty program.