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Securing Coverage for Clients with Past Coverage Issues
Solutions for clients with lapsed, canceled or non renewed policies.
Helping Agents Place Clients with Prior Coverage Issues
Coverage gaps don’t have to be dealbreakers. Whether it was a lapse, cancellation, or non-renewal, Worksperity helps agents turn difficult placement
scenarios into wins—fast. Our market network is built to work with clients that have experienced disruptions and need a path back to coverage
Common Scenarios That Lead to Declines
Lapsed Coverage
Clients who went uninsured due to oversight, financial strain, or operational changes.
Policy Cancellations
Coverage terminated for non-payment, reporting issues, or audit disputes.
Non-Renewals
Carriers declining to continue coverage due to claims, classification changes, or carrier exits.
Limited Market Availability
Few carriers willing to quote policies with prior gaps or cancellations.
Rate Spikes & Stricter Terms
Gaps trigger higher premiums and tighter underwriting controls.
How Worksperity Helps Agents
Secure Coverage
Access to 90+ Specialized Markets
Carriers open to writing clients with coverage gaps or prior issues.
Underwriting Flexibility
Programs that consider the full business profile—not just past policy history.
No Loss Affidavit Options
Use documentation to verify claims-free periods when needed.
Risk-Management Support
Help your client reduce risk and avoid future cancellations or lapses.
Fast Quote Turnaround
Get a quote quickly, even when the case is complex or urgent.
A Coverage Gap Doesn’t Have to End the Conversation
Many businesses have had a lapse in coverage. The key is showing carriers there’s a plan in place to move forward safely and sustainably. Worksperity helps agents deliver that plan—with the carriers to back it up.
