Workers’ Compensation Programs

Hard to Place Programs

Finally a solution for all of your hard to place accounts. We are proud to represent the nations top integrated workers’ compensation programs all backed by A rated carriers. Whether your client has a high experience modification or is a high hazard class of business we have programs designed to specifically meet their real business needs at a competitive all inclusive price.


High Experience Mods up to 400 Eligible

High Hazard and Hard to Place Class Codes Eligible

Hard to Place Class Codes Eligible

Non Renewed Eligible

Lapse In Coverage Eligible

High-Risk Workers’ Compensation Insurance

Workers are protected by standards put in place by the Occupational Safety and Health Administration (OSHA), which requires businesses to provide workers’ compensation (WC) insurance. The fields that are most in need of workers’ compensation are those associated with high risks, but unfortunately, brokers have the most difficult time finding high-quality insurance for these clients. Brokers may struggle to help their clients meet OSHA standards and protect their employees with an insurance plan that maximizes cash flow at an affordable rate. MartinoWest has solutions.

Insurance companies use a score called the Experience Modification Rate (EMR or XMOD) to measure the expenses caused by past injuries and the likelihood of future risks. Generally, an EMR/XMOD of 1 is considered to be average. Effective safety strategies can lower an EMR/XMOD, but this doesn’t change the fact that some industries are high-risk by nature. A company with high risks ought to be protected by a high-quality insurance program. Some insurance companies refuse to provide coverage for businesses with high EMR/XMOD scores and a high hazard class. A few examples of tasks that high-hazard businesses might perform are:

  • Diving
  • Tunneling
  • Mining
  • Oil and gas work
  • Hazardous material handling
  • Dam construction
  • Oil refining
  • Logging
  • Use of explosives

Fields That Benefit From High-Risk Workers’ Compensation Insurance

While it can be difficult for clients who do these types of work to secure coverage, those in hazardous fields will benefit the most from reliable high-risk workers’ compensation insurance. Data shows that some of the most dangerous occupations in the United States are logging and fishing, but these aren’t the only high-risk fields in need of good workers’ comp insurance. MartinoWest has provided leading insurance to brokers working with clients in some of these high-risk fields:

  • Contracting
  • Caregiving
  • Transportation
  • Manufacturing
  • Hospitality
  • Janitorial Services

These are just a few examples of hard-to-place clients brokers may represent for which we can help provide insurance benefits. Contracting clients may be especially difficult to place because of the high rates of injury: Each year, one in ten construction workers are injured, with falls being the greatest cause of injury. With such a high need and so many reasons to obtain the best workers’ comp coverage available, brokers can rely on MartinoWest to provide solutions.

How Can MartinoWest Help Brokers?

MartinoWest can provide quality insurance to your high-hazard-class clients. The following are just some of the advantages that make MartinoWest your best resource for high-risk workers’ compensation insurance:

  • USL&H eligible
  • High hazard codes covered
  • Little or no premium deposits
  • Competitive rates
  • Pay-as-you-go billing
  • High ex-mods eligible
  • No lapse in coverage
  • Access to +20 A-rated programs

Brokers can save their clients up to 20%, and our programs are supported by A-rated carriers such as Zurich, The Hartford, ACE, California Insurance Co., and AIG. Your clients can even receive 15% or more cash back when they have low losses.

Contact us today to see how we can help you help your clients.


Premiums are calculated from actual payroll. When payroll goes down, billing goes down.

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No Deposit!

Workers’ Comp premiums are collected with pay. Eliminates the need for an upfront deposit.

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Cash Back!

Receive 15% or more of premium cash back for no or low losses.

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Competitive Rates!

Our programs consistently save clients an average of 20% or more on their workers’ compensation rates.