Appetite Guide

Worker’s Comp is all we do, so we do it better than most.

Construction: With or without WC or with a lapse, we can consider the following classes:

• 0917 – Residential Janitorial
• 0042/9102 – Landscaping/Lawn service
• 5022 – Masonry
• 5183 – Plumbing
• 5190 – Electrical
• 5221 – Flat Concrete
• 5437 – Interior Carpentry/Cabinets
• 5462 – Glazier
• 5478/5348 – Carpet/Tile
• 5537 – HVAC
• 6217 – Excavation
• 9014 – Commercial Janitorial/Exterminator/Pool Cleaning
• 5213 – Concrete Construction
• 5445 – Drywall(including drywall framing)
• 5474 – Painting

With 8 month’s prior (only for Eastern US states excluding CT, MA, ME, MI, NH, NJ, NY, VT, WV), the following can only be considered with prior WC:

(or can be placed in a PEO)

• 5403/5645 – CarpentryMust have 8 month’s prior (min premium of $3,500 with 2 year’s

prior or 5k with 8 month’s prior)

• 5551 – Roofing(Must have current coverage so they can be inspected. If in S. FL or non-FL states, must

have 8 month’s prior,10k MP)

• 0106 – Tree Trimming(must have 8 month’s prior, 5k MP)

Non-Construction: Most classes can be considered with or without prior, most classes have no MP

• 7219 – Trucking:(dump trucks can be considered without prior but not in S. FL, MP 5k,

long haul needs 8 month’s prior & must allow 30 days lead time)

• 7720 – Security:(Armed or unarmed, no off-duty police or guards over 60, MP 5k, 1 year

or more prior needed)

• 8385 – Home Healthcare
• 8842/8824/8825: Group Homes, ALFs, etc.
• 8869 – Daycare Centers
• 0917 – Residential Janitorial
• 0913/0908 – Domestic Workers, we have an exclusive program for this class; see our

website for more info.

• Risks with USL&H(MP 5k, must allow 30 days lead
• Most any other class can be considered

Ineligible Classes:

• Ammunition Manufacturing
• Pilots
• Gentlemen’s Clubs
• Paper General Contractors (ok for PEO)
• Staffing Risks (ok for PEO)