State law, employee status, class code, payroll, ownership, and monopolistic-state treatment shape the program.
Management and Workforce
Workers Compensation.
Class codes price the work. The day-to-day duties prove the codes.
Workers compensation addresses statutory benefits for covered work-related injury or disease and commonly includes employers liability, subject to state law and policy terms. Employee duties, payroll, class codes, states, experience modification, losses, safety, subcontractors, and ownership structure drive eligibility and pricing.
Placement context
Facts to confirm before applying.
The payroll schedule should read like the company operates. If a roofer, driver, nurse, warehouse worker, salesperson, and owner are grouped under one convenient code, the file will not hold. Match each employee group to actual duties, state, payroll, supervision, and loss history.
Coverage scope
What the coverage may address.
Experience modification, loss development, return-to-work, safety, and claim handling show whether adverse history is improving or repeating.
Subcontractors, independent contractors, PEOs, temporary labor, and uninsured certificates can create unexpected exposure.
Placement factors
Facts that affect placement.
- Roofing, height, staffing, transportation, healthcare, or other difficult classifications
- Adverse loss experience or experience modification
- New ventures, lapses, multi-state payroll, or Professional Employer Organization complications
- Subcontractor, independent-contractor, or employee-classification concerns
Coverage and access are separate questions
Coverage guidance does not confirm a current market route, quote, policy terms, or bind authority for a particular account.
Submission preparation
Prepare a consistent underwriting file.
Account narrative
Reconcile people, duties, payroll, states, codes, losses, and controls. Explain what changed after the claims and where labor enters the business outside direct payroll.
Include these facts
- Payroll by state, class code, and entity
- Experience modification worksheet and currently valued loss runs
- Operations, safety, hiring, return-to-work, and subcontractor controls
- Ownership, officer inclusion or exclusion, and prior coverage history
Resolve these questions before market review
- Which employees perform which work in each state?
- What drove the losses or experience modification?
- Are there uninsured subcontractors or classification disputes?
- What safety and return-to-work controls are currently operating?
Submission errors
Avoid these three issues.
- Payroll by code with no matching duty description
- Loss runs without narratives for open, severe, or recurring claims
- Leaving uninsured subcontractors, temporary labor, out-of-state work, or officer elections until audit
Hedge resources
Forms and class guidance for this coverage.
Hedge-owned form
Hedge Workers Compensation Supplemental
A fillable Hedge supplemental for workers compensation exposure review.
Read and downloadHedge-owned form
Hedge Roofing Contractors Supplemental
A fillable Hedge supplemental for commercial and residential roofing contractors.
Read and downloadHedge-owned form
Hedge Contractors Supplemental
A fillable Hedge supplemental for contractors and construction operations.
Read and downloadHedge-owned form
Hedge Loss and Claims Supplement
A fillable Hedge supplement for organizing prior losses, claims, and open-claim detail for wholesale review.
Read and downloadClass appetite
Roofing contractors
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
Tree trimming & removal
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceClass appetite
PEO & staffing firm EPLI
Read the public, directional class guidance and prepare for account-specific review.
Review class guidanceRelated coverage
Review related exposures.
Casualty and Excess
Commercial General Liability
The class code gets the file opened. The operations narrative gets it quoted.
Open coverageTransportation and Marine
Commercial Auto and Trucking
Vehicles are the schedule. Drivers and operations are the risk.
Open coverageManagement and Workforce
Employment Practices Liability
Headcount is a number. Hiring, managing, disciplining, and terminating people is the exposure.
Open coverageMaritime jurisdiction
Does the workforce create a USL&H question?
Waterfront proximity and job title do not resolve Longshore and Harbor Workers' Compensation Act applicability. Map the employee duties, work locations, vessel relationships, contracts, payroll, and loss history before an account-specific coverage and legal review.
Hedge review
Send the account for review.
You do not need a perfect packet to start. Send the account, requested line, effective date, current applications, available loss information, and the fact making the placement difficult. Hedge will separate missing information from market-ready information before any account-specific route is confirmed.