Private Carrier

This workers compensation option is usually only for companies with good workers’ comp loss history, have been in business for at least 1year, and generate premiums of at least $25,000 a year. Some leading insurance companies and markets that offer direct policies include AIG, ULLICO, Guaranty, Travelers, Liberty Mutual, Berkshire Hathaway and Pinnacle. As a result of selecting companies with good work comp histories, their rates are usually lower than a PEO or EOR, and much less expensive than the state funds.

Direct carriers will usually require:

15-30% down payment on the annual premium.
An annual on-site audit that will review class codes for accuracy—rate discrepancies and payroll levels. An audit can be intrusive to your operations, and audit premiums can be unexpectedly substantial.
Usually at least 2 years of good loss history.

If you select a private policy as your work comp solution, Right Works Comp Solutions can refer you to a payroll service that specializes in processing payrolls and administrating staffing health benefits.

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