Connect with Us
Workers’ Comp Coverage
for High-Cost, High-Risk
Class Codes
Specialized solutions for tough industries where traditional markets back out.
Helping Agents Place Tough Class Codes with Confidence
Some industries come with built-in risk, and getting coverage for them isn’t easy. When classification codes trigger higher rates or tighter underwriting, other
markets tend to back out. That’s when agents need specialized support.
Worksperity helps agents place coverage for high-cost and high-risk class codes, offering access to markets that understand these exposures and price them competitively.
Why High-Risk Class Codes Cause Coverage Problems
Limited Carrier Appetite
Standard markets avoid hazardous or claims-heavy industries.
Elevated Premiums
Base rates and loss ratios drive up pricing for risky class codes.
Strict Underwriting Rules
Harder eligibility requirements for high-risk occupations.
Coverage Gaps
Businesses may be declined or offered partial coverage only.
Fewer Negotiable Terms
Rigid policy structures limit customization or cost savings.
How Worksperity Helps Agents
Secure Coverage
Access to 90+ Specialized Markets
Carriers with proven appetite for high-risk and tough-to-place class codes.
Underwriting Flexibility
Markets that evaluate beyond the class code—considering safety programs, loss control, and job site factors.
Competitive Pricing Strategies
Designed to reduce cost pressure for historically expensive industries.
Carrier Relationships
Direct access to markets that understand complex risks and offer alternative options.
Fast Turnaround on Quotes
Prioritized support for time-sensitive or renewal-driven placements.
Coverage for High-Risk Class Codes—Without the Headache
From roofing to staffing to logistics, Worksperity helps agents secure coverage for industries other markets walk away from. When the classification code says no, we help you find the market that says yes.
