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Overcoming Claims History Challenges in Workers’ Comp
Solutions for clients with high claim frequency, severity, or shock losses.
When Claims History Becomes a Coverage Barrier
A history of Workers’ Comp claims can limit market access, spike premiums, and make even good businesses unplaceable. Many markets often walk away from accounts with:
High claims volume
Shock or severe losses
Worsening trends over time
What makes a client with claims history issues hard to place?
High claim frequency
High severity losses
Pattern of increase
High-mod shock loss
How We Help Agents Place
Claims-Heavy Clients
Access to 90+ Carriers
Specialists in higher risk and claims-heavy industries.
Flexible Underwriting
Markets that evaluate beyond loss runs.
Alternative Rating Options
Reduce cost impact from claims history.
Strategic Risk Guidance
Help your client improve their insurability over time.
Common Challenges We Help Solve
Clients with claims history issues face more than just high premiums. They’re often locked out of most markets, paying higher premiums, and unsure how to turn things around. That’s where Worksperity steps in.
We help agents place clients dealing with:
- High Claim Frequency: Ongoing incidents that raise red flags for underwriters and limit market access.
- Severe or Shock Losses: Single large losses that create major coverage and pricing obstacles
- Experience Modifiers: Upward claim trends that inflate premiums and make clients uncompetitive
- Carrier Declinations: Repeated rejections from standard markets due to perceived risk
- High-Risk Industries: Sectors where frequent injuries are common, and few carriers are willing to quote
Have a hard to place client? Lets find a coverage solution together.
We help agents find coverage for clients with high claim frequency, shock losses, or other claims-related red flags. Our specialized markets take a broader view—so you can secure coverage even when others say no.
