HIGH HAZARD 
Inclusive Workers Compensation Program



California Broker Resource Center

Value Proposition

Brokers across the country recommend the workers' compensation coverage alternative distributed by PEO Professionals for insured’s that have high risk governing codes high experience modifiers. The best prospective risk for this program is those insured’s that have no option other than the State Compensation Insurance Fund. This program is for risks that have operations and employees entirely in the state of California.


The “key feature” of this program is its “low price.” The “key benefit” of this program is the “significant hard dollars saved.”  Ideal insured’s will save an amount equal to 2 to 10% (sometimes even greater) of their annual gross payroll. For example, if the insured's annual payroll is $1,000,000 their savings could be between $20,000 and $100,000 for the year. Another notable feature of this program is that it has “low start up costs.” The insured pays only a small $500 policy fee plus nominal broker fee to initiate this “pay as you go” program. The policy fee and broker fee is substantially lower than the policy deposit of most traditional workers’ compensation programs. Clients that are faced with large deposits will experience immediate “cash flow” benefits with lower out of pocket expenditures.


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Broad Eligible Codes:

  • Heavy construction
  • Roofing /framers / carpentry / painting / steel framing
  • Towing operations / trucking
  • Residential care
  • Scrap metal / Iron steel erection
  • Landscaping / tree trimmers
  • Masonry / stone cutting
  • Manufacturing
  • Cabling
  • Janitorial / Property management / Residential cleaning

Experience Modifiers Considered:

Ideal risk’s have X-Mod’s between 1.3 and 2.8
We will consider risk’s with X-Mod’s between 1.0 and 3.0

Minimum Premiums:

  • Roofers / Framers / Landscaping / Tree Trimmers - $50,000
  • All others: $30,000

Exclusions:

  • USL&H Exposure
  • Unions
  • Staffing
  • Hazardous Material Handling
  • Seasonal operations
  • Greater than 25% Use of Part-Time Labor
  • Armed Guards
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