When most agents think of high-risk Workers’ Compensation coverage, they may picture construction crews or trucking fleets. But the real opportunity often hides in plain sight. Some of the most overlooked industries are quietly racking up claims, and smart agents are finding ways to turn those hidden exposures into profitable growth. If you’re ready to expand beyond the obvious, it’s time to think differently about the industries where high-risk Workers’ Comp commonly lives.

1. Event Staffing & Entertainment Services

These roles are often lumped in as temporary or “gig work,” but the risk is anything but part-time. Workers in this sector lift heavy equipment, set up venues, work late hours, and deal with unpredictable environments — often surrounded by intoxicated crowds. The fast pace and high variability make this industry a prime candidate for frequent claims and serious injuries. Most carriers shy away. Worksperity doesn’t.

2. Healthcare & Home Health Aides

Many assume this is a low-risk, “white glove” industry. In reality, it tops the list for recordable injuries and illnesses, according to the Bureau of Labor Statistics BLS Occupational Injuries Report. Risks include patient handling, exposure to illness, and psychological strain. Agencies that overlook this sector are missing one of the largest, most consistent sources of comp premiums in the market.

3. Janitorial & Commercial Cleaning Services

“Low wage” shouldn’t be mistaken for low risk. Janitorial employees deal with chemical exposure, slick floors, repetitive strain, and late-night building access. Many businesses in this space fall into assigned risk pools or go bare simply because agents aren’t targeting them. But with the right guidance and market connections, these accounts are both loyal and lucrative.

4. Cannabis & Hemp Production

Legalized doesn’t mean simplified. While more states are opening up to cannabis operations, Workers’ Comp remains a regulatory maze. From processing machinery to repetitive packaging labor and security protocols, risk is everywhere. Cannabis companies often struggle with high turnover, inconsistent training practices, and limited safety protocols — factors that elevate claim frequency and severity. 

These realities make it even more critical for agents to work with wholesalers who understand the industry’s nuances. Whereas most traditional markets won’t touch it, Worksperity simplifies coverage across jurisdictions and cuts through classification confusion.

5. Non-Emergency Medical Transportation (NEMT)

This sector exists in a gray area — not quite healthcare, not quite trucking. Yet the exposure is real: Drivers manage clients in transit and assist with mobility devices, and they’re constantly on the road. Prior claims and complex job classifications frequently block access to standard markets. Worksperity solves for both, offering a streamlined quoting process even for tough NEMT submissions.

How Worksperity Helps Agents Win in Niche Markets

These industries aren’t just overlooked; they’re underserved. Many employers end up in assigned risk pools or struggle with gaps in coverage due to a lack of agent support. Worksperity was built to change that.

With access to 90+ specialized markets, we help agents quote what others can’t. Our solutions support high turnover and high-mod environments. We offer PayGo model compatibility, fast quote turnaround, and real answers when others just say no.

If your client is stuck in the pool or you’ve been told, “We can’t place that,” it’s time to talk to a wholesaler who can.

Send a submission and discover how Worksperity helps agents uncover new revenue with high-risk Workers’ Comp solutions.

About Worksperity

Worksperity is a specialized wholesale brokerage focused exclusively on Workers’ Compensation. We partner directly with retail agents to simplify placements for hard-to-place industries and clients with coverage barriers. Our deep expertise, rapid quote capabilities, and access to 90+ niche markets empower agents to win more business, faster. Learn more at worksperity.com.