As Q4 ramps up, so does the pressure to secure renewals, especially for clients with a tough claims history. If you’re working with accounts that have repeat incidents, rising losses, or a recent shock claim, now is the time to act.

Waiting too long can push your client toward non-renewal or the state pool. As you work to renew Workers’ Comp insurance for staffing agency clients, explore how Worksperity helps agents handle claims history issues.

Why Claims History Jeopardizes Coverage

A challenging claims history doesn’t just raise eyebrows; it can stop renewals in their tracks. Underwriters rely heavily on trends in loss history to assess risk. The more frequent or severe the claims, the more likely the client is viewed as too risky to insure.

Some common issues that impact underwriting decisions:

• Shock losses: One-time, high-dollar claims like catastrophic injuries or fatalities
• Recurring incidents: Similar claims across multiple years signal systemic issues
• Rising total incurred: Even minor claims that escalate over time and damage a risk profile
• Unresolved safety concerns: Lack of proactive mitigation resulting in repeated exposure

These types of claims don’t just make it harder to place coverage — they’re becoming more common across the industry. While workplace injury rates had been declining for years, new data suggests they may be rising again, particularly among newer or less experienced workers. So, claims history is an even bigger concern heading into renewal season.

Many clients don’t realize how much their past claims affect their ability to get affordable Workers’ Comp insurance for a staffing agency. They’re often surprised at a non-renewal or a spike in premiums. Agents end up in a tough spot — trying to explain the problem, gather documents, and find a new market, often with very little time to work with.

How Worksperity Helps You Secure Coverage Before It’s Too Late

Not all Workers’ Comp wholesalers are equipped to handle clients with complex loss histories. But at Worksperity, our model is built around them. Our deep bench of 90+ specialty markets includes carriers who are not only comfortable with higher-risk profiles — they’re built for them.

When you partner with Worksperity, you get:

• Markets that evaluate risk contextually, not just by loss ratios
• Underwriters who understand industry-specific nuances
• Programs designed for over 120 industries, including staffing, construction, and healthcare
• Support in building stronger submissions that lead to faster approvals

Whether you’re preparing a renewal or replacing a carrier that’s walking away, we give agents a path forward that doesn’t involve panic or the pool.

What Makes a Client High Risk?

High risk doesn’t always mean uninsurable, but it can mean more work for the agent. Here are common indicators that a submission may trigger scrutiny or declination:

• High frequency of claims in a three- to five-year window
• One or more shock losses, particularly those without follow-up prevention
• Loss trends moving in the wrong direction year over year
• No documented safety plan or risk-management protocols

These red flags are especially common in industries like:

• Staffing (due to rapid turnover and varied worksite controls)
• Construction (inherently high-hazard and labor-intensive)
• Transportation (motor vehicle exposures, Department of Transportation oversight)
• Healthcare (lifting injuries, needle sticks, shift-related fatigue)
• Manufacturing (machinery hazards, ergonomic risks)

Clients in these spaces often do their best to operate safely but are one incident away from being labeled “unplaceable” by the wrong market.

Don’t Wait Until Renewal Deadlines Hit

When it comes to tough renewals, timing is everything. Waiting until the last minute rarely ends well, especially for clients with a history of claims. The closer you get to the renewal date, the fewer options you have. Carriers may be less flexible, premiums are likely to be higher, and your ability to negotiate better terms quickly fades.

State-assigned risk pools might be the only fallback, but they’re far from ideal. These programs tend to be expensive and rigid, and they often lack the tailored coverage your client actually needs. Submitting at the 11th hour also means there’s no time to adjust, explain, or package the account in a way that tells the full story — a major issue when you’re working with a client who has past claims or a complicated history.

Submitting early gives you and your client a real advantage. You’ll have time to present a stronger submission, implement any quick risk improvements, and consider multiple options before making a final decision. If the first market doesn’t come through, you’ll still have room to pivot.

Your client deserves better than a default option. And you deserve a wholesale partner who knows how to stay ahead of the deadline. If the account also has a lapse, cancellation, or bare status, that’s even more reason to get started now. 

Final Thoughts on Staffing Agency Workers’ Comp

Tough renewals are part of the job, but handling them alone shouldn’t be. At Worksperity, we turn hard-to-place Workers’ Comp accounts into long-term wins by helping agents strategize ahead of the curve.

Start now. Bring us your toughest case, and we’ll help you build a better solution.

FAQ About Workers’ Comp Claims History

Can clients with recent large claims still get Workers’ Comp?

Yes. Many of our carriers understand industry-specific risks and will consider quoting accounts with severe loss history when others won’t.

What documents should I prepare for a client with a claims history?

At minimum: ACORD 130, three to five years of loss runs (or affidavit if bare/lapsed), and any prior dec pages. This helps us evaluate the entire situation.

What if the client was non-renewed or canceled last year?

That’s exactly where Worksperity thrives. Our markets are often open to these challenges, and we frequently quote accounts others won’t.

Will this affect my commission?

We offer residual commissions and high payout percentages, even on tough cases.

How fast can I get a quote?

We specialize in rapid turnaround and rush requests. Send a Submission and we’ll get started right away.

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.