The Art of Underwriting
In a market dominated by web-based portals and class-driven templates, U.S. Risk reintroduces the human element to managing risk through “the art of underwriting.”
Our workers’ compensation division operates as both an underwriting manager and wholesale broker, engaging in program administrator and general agency agreements with over 20 workers’ compensation markets. We pride ourselves on technical underwriting expertise, brokerage and sales experience, unparalleled reliability, superior responsiveness, and achieving long-term, high-value relationships with our trading partners.
OUR VALUE PROPOSITION
- Personalized service
- Access to “A” rated carriers with a wide spectrum of risk appetites
- Ability to write coverage on a nationwide basis
- Elite agency status with select carriers
- Product offerings include guaranteed cost, retrospective rating plans, large deductibles
- Access to alternative platforms such as agency captives, sponsored captives, and professional employment organizations
- Multitude of payment plans including pay-as-you-go
- Optimized turnaround time on complete submissions
- Underwriting expertise and carrier relationship
- Program manager and wholesale broker operations
- Technology driven
WORKERS’ COMPENSATION CLASSES
- Contracting (roofing, masonry, excavation, iron and steel erection, street and road)
- Energy—Oil and Gas (lease operations, derrick or oil rig erection, well installation)
- Healthcare (assisted living facilities, nursing homes, home health, hospitals)
- Manufacturing (machine shops, assembly plants, components, clothing, furniture)
- Restaurants and hospitality (hotels/motels, country clubs, resorts, lounges)
- Retail/wholesale (grocery stores, hardware stores, gas stations with convenience)
- Security wervices (patrol agencies, security enforcement protection, detectives)
- Services (lawyers, accountants, banks, property management, auto service)
- Social Services (group homes, charitable or welfare organizations, clinics)
- USL&H (marina operations, dock and pier construction, shipbuilding and repair)
- Miscellaneous
WORKERS’ COMPENSATION PROGRAMS
- Debit modification
- Healthcare
- High commission
- Professional Employer Organizations (PEO)
- Security alarm installers
- Temporary staffing
WHOLESALE BROKERAGE MARKETS
- AIG (Vanguard Agent)
- Amerisafe
- AmTrust North America (True Blue Agent)
- Applied Underwriters
- Ascendant
- Beacon Aviation Insurance Services
- Employers
- FirstComp
- FFVA Mutual
- Guard Insurance
- The Hartford
- ICW Group
- Lion Insurance /Southeast Personnel Leasing
- MCIM
- Patriot Underwriters/Guarantee/Ashmere
- Normandy Insurance
- Redpointe
- RTW
- Travelers
- TX Mutual
- Starr Companies
- V3 Insurance Partners
- Zenith
SUBMISSIONS
Please send submissions to WCSubmissions@USRisk.com
- ACORD 130 Application
- 3–5 years of loss runs
- Experience Modification Worksheet
- Supplemental Application
Contacts
Gary Carter | Houston, Texas
(469) 983-7225 | gary.carter@usrisk.com
Theresa Drago | Houston, Texas
(281) 243-5752 | theresa.drago@usrisk.com
Amy Freeze | Houston, Texas
(281) 243-5702 | amyf@usrisk.com
Traci Huskey | Sarasota, Florida
(941) 444-1659 | traci.huskey@usrisk.com
Brian Rudolph | Sarasota, Florida
(941) 444-1643 | brian.rudolph@usrisk.com
Wendy Sanderson | Sarasota, Florida
(941) 444-1663 | wendy.sanderson@usrisk.com
Program Information