Nineteen carriers, each with a different sweet spot. A risk one carrier declines as monoline comp is often a fit for another, or for the same carrier once it sees the whole account. Pick a situation, pick a carrier, or tap a state.
19 carriers. Darker states have more of them actively writing.
Tap a state to see every carrier on our panel that writes there.
Territories from each carrier's published information, September 2026, and they change. We confirm the carrier's territory and appetite on every account before quoting.
27 states
Monoline comp for the hazardous trades other carriers decline on class alone.
Classes it wants
Steer clear Primary payroll in a no-coverage state; More than 25% of payroll in limited states
Carrier territory map. TX, NE, CO, NV and AK in part of the state. Limited states allow up to 25% of payroll (45% in TX and OK).
21 primary + 25 incidental
Mid-size contractors and service firms with crews in several states.
Classes it wants
Steer clear Primary exposure outside its 21 primary states
Carrier territory map. DE and MD tier unconfirmed.
14 states
Blue-collar South and Plains accounts: contractors, trucking, oilfield and shops.
Classes it wants
Steer clear Payroll outside its 14 states
Carrier website list, 2026.
18 states + DC
Construction with a story: high mods and complex exposures. Construction is 41% of its premium.
Classes it wants
Steer clear States outside its footprint
Great American division page and September 2026 release (MD and DC added).
13 states
Artisan and specialty trades, utilities, manufacturing, medical and schools across the South.
Classes it wants
Steer clear Quick-quote program needs a mod of 1.15 or less
LUBA press kit, June 2025 (FL, GA, KY, NC, SC and VA through FHM Insurance).
Core states, others by submission · inferred
The wounded account: no mod cap at the small business desk, lapses and new ventures considered, mods up to 2.05 bound.
Classes it wants
Steer clear A risk already submitted through another channel
Dark states hold most of its premium (inferred from its 2023 exam report); other states by submission.
Texas
Texas employers, including the ones nobody else will write: it is the insurer of last resort. $300M in dividends paid in 2026, 28 years running.
Classes it wants
Steer clear Operations based outside Texas
Texas only. Employees working outside Texas are covered through a partner policy (Argo).
Oklahoma
Oklahoma trades, oilfield, agriculture and tank builders.
Classes it wants
Steer clear Operations based outside Oklahoma
Oklahoma only.
39 states + DC
Small contractors and service firms that want a fast online quote and pay-as-you-go.
Classes it wants
Steer clear Large or complex multi-state accounts
Carrier state list, January 2026.
Nationwide · inferred
Small main-street accounts: 500+ eligible classes, 300 bindable online.
Classes it wants
Steer clear Heights and depths; No full-time employee besides the owners; 75+ employees at one location
No published state list; writes nationally (inferred).
All non-monopolistic + DC
Main-street and artisan accounts with group dividends, plus an alternative program for risks outside standard guidelines.
Classes it wants
Steer clear Standard program: commercial roofing, drywall, paving, towing, trucking, bus
Carrier-stated: EastGUARD writes comp in all non-monopolistic states and DC.
All non-monopolistic
Small hospitality, service and light trades, including start-ups and new ventures.
Classes it wants
Steer clear Heights over two stories or 20 ft; Roofing; General contractors and home builders; 24-hour retail
Carrier-stated: eligible in all non-monopolistic states.
Nationwide · inferred
Small commercial up to about $150K premium and 250 employees; larger accounts through middle market.
Classes it wants
Steer clear Class-level appetite not published
No published state list; writes nationally (inferred).
Nationwide · inferred
Small business through Select; construction, energy and technology through middle market. The whole account wins where a monoline submission is declined.
Classes it wants
Steer clear Select desk: work over two stories
The largest U.S. comp writer; no published state list (inferred).
All non-monopolistic
Small business in one quote with the BOP, and middle market for every construction trade, energy and manufacturing.
Classes it wants
Steer clear Middle market: multifamily apartments; Limited: hospitals, long-term care, food processors, landscapers
Carrier site: monopolistic states go to the state fund; all others written.
All states
Professional, technology, medical and manufacturing accounts; guaranteed cost, dividend and loss-sensitive plans for larger ones.
Classes it wants
Steer clear Small business: trucking, oil and gas, non-tech manufacturing, fast food
Carrier-stated: comp presence in all states. Small business appetite differs in LA, FL and NY.
14 states · inferred
Comp written alongside a BOP or package, with dividends up to 18% after a clean year.
Classes it wants
Steer clear Monoline comp; 24-hour operations; Drivers over 10% of payroll; Under 3 years in business
Company service territory; comp written with the package across it (inferred).
Select states
Contractors and manufacturers where we also write the property and liability.
Classes it wants
Steer clear Monoline comp online (underwriter referral only)
Writes comp in select states; list not published. We confirm by account.
43 states
Oil and gas, construction and supply companies, with deductible plans and all-states coverage.
Classes it wants
Steer clear Exclusions not published
Premium in 43 states (list not published). We confirm by account.
The questions PEO clients raise when their comp moves to its own policy, answered the way we answer them on the call.
When the entities share common majority ownership (more than 50%), NCCI combines their experience into one mod, documented on NCCI's ERM-14 form, and the carrier can list every entity on one policy. Premium is payroll times the class rate times the mod, so when payroll is reported by entity and class, each entity's cost comes out to the cent. The allocation lives in payroll; the premium follows it.
Premium is calculated on actual wages every time payroll runs, split by FEIN and class code, instead of a deposit and an estimate. Depending on the carrier, it runs through the carrier's own payroll connection, a billing service that links payroll and carrier, or a monthly online wage entry. The year-end audit becomes a reconciliation.
Nothing moves. The carrier on risk on the date of injury handles each claim until it closes. The claims appear on the loss runs, and underwriters look at what caused them and what the company has changed since.
| Task | Inside the PEO | Own policy with Clear View |
|---|---|---|
| Premium | Bundled in the PEO fee | Separate and visible, per pay period |
| Payroll reporting | Automatic | Automatic through pay-as-you-go, or one monthly entry |
| Injury reporting | Call the PEO | Report to the carrier, then call us |
| Year-end audit | Not visible | Once a year; we review it before it is final |
| Certificates | From the PEO | From us, same day |
| Experience mod | Depends on state rules | The client's own; improvements lower cost |
What stays with the client: run payroll, report injuries the same day, keep subcontractor certificates, and provide records for the audit.
Yes. The carrier we place includes loss control and training at no cost, and Clear View adds its own on-site, remote or recorded sessions, OSHA 10 and 30 classes and mock OSHA audits on a published fee schedule. We set the plan on a short discovery call.
Send what you have. We will tell you what is missing.
Erick CummingsDirector of Commercial Lines
Director of Commercial Lines
