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Reply to If-Any Workers Comp and WC for Startups     
Old 07-19-2017, 08:44 AM   #1
JWP
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Join Date: May 2016
Posts:6
State: JWP is an Insurance Agent from
If-Any Workers Comp and WC for Startups If-Any Workers Comp and WC for Startups
I'm an agent in Michigan.

Right now the carriers I work with won't write Workers Comp unless:

A. Have had WC for the previous 3 years
and
B. Have employees

Any carriers which don't have those requirements? Or just 1 of the requirements?

A lot of self-employed subcontractors need WC in order to get a job from their general contractor. I addition to contractors, there are lots of other jobs where people need that policy (consulting, technicians etc)So I've been writing these policies through the State.
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Old 07-19-2017, 04:28 PM   #2
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Join Date: Jun 2017
Posts:5
State: Mattrb72 is an Insurance Agent from
If-Any Workers Comp and WC for Startups Re: If-Any Workers Comp and WC for Startups
Here in CA, there is maybe one other company besides our State program that will do this. But it usually very cheap on an if-any basis.
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Old 08-01-2017, 09:46 PM   #3
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Join Date: Jul 2014
Posts:90
State: 1reason is an Insurance Agent from
If-Any Workers Comp and WC for Startups Re: If-Any Workers Comp and WC for Startups
I'm limited in markets in MI, albeit usually my first thought is to place them in the pool. And when it comes to ghost policies, it isn't worth the time to do anything other than place the policy as quickly as you can so you can move on to something that will keep the lights on.

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Give me one reason to get out of bed today.
www.1reason.com
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Old 08-02-2017, 07:58 AM   #4
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Join Date: Jun 2017
Posts:12
State: Web320 is an Insurance Agent from Michigan
If-Any Workers Comp and WC for Startups Re: If-Any Workers Comp and WC for Startups
In Michigan there are a lot of carriers that are cleaning up their books for contracting risks. Most of what is on the way out is non-w2 labor as well.

We unfortunately do not write these risks either (checked with head of WC to be sure) so the state pool is likely your best avenue as 1reason stated.
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Old 08-08-2017, 08:14 PM   #5
Super Genius
jlanier on If-Any Workers Comp and WC for Startups
 
Join Date: Feb 2014
Posts:132
State: jlanier is an Insurance Agent from
If-Any Workers Comp and WC for Startups
Originally Posted by JWP View Post
I'm an agent in Michigan.

Right now the carriers I work with won't write Workers Comp unless:

A. Have had WC for the previous 3 years
and
B. Have employees

Any carriers which don't have those requirements? Or just 1 of the requirements?

A lot of self-employed subcontractors need WC in order to get a job from their general contractor. I addition to contractors, there are lots of other jobs where people need that policy (consulting, technicians etc)So I've been writing these policies through the State.
This will help

https://soleproprietorsolutions.com/...ghts/?state=MI
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