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Workers Compensation Insurance


When it comes to selecting an MGA or wholesaler to place your Workers Compensation business, you need a partner that not only understands your needs, but has the capabilities to deliver.  At First Light Program Managers our commitment to your Workers Compensation business only begins when we receive your submission.  Any wholesaler or MGA can shotgun your Workers Compensation submission to their markets for your typical classes of business. 

Our approach is different and it is that difference that makes us more competitive.  Each submission that we receive is analyzed to determine which of our insurance carriers is the best fit and how we can obtain the most competitive quote for our client, the independent agent.  It is our ability to place the tougher risk, whether from a loss perspective or a class of business, that enables us to provide you with a competitive quote that allows you to win the business.      


Program Details

·  Carrier:  Multiple "A" Rated and "B+" Rated Carriers

·  Classes of Business:  All standard classes and tougher risks such as Trucking, Limousine, Buses, etc  

·  Minimum Premium: $5,000

·  Unique Program Features:  

Monthly reporting of payroll with 1/12th down option

Dividend plans, retro, etc.

California Workers Compensation is highly desirable
High risk and high mod accounts are acceptable
·  Territory:  All states except AK and HI
Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming



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