Workers’ Compensation Insurance

Today's workers' compensation insurance market requires the knowledge and relationships that RPS, a leading Managing General Agent/Underwriting Manager and nationally recognized wholesale insurance broker, has built to deliver a wide range of options to a broad spectrum of businesses and industries throughout the United States. This includes providing solutions for large corporations and municipalities best addressed by large deductible programs and Excess coverage, and for small and midsize firms whose ideal fit is with guaranteed cost coverage with A-rated carriers.

A Host of Workers' Compensation Choices

We represent many top-tier carriers for guaranteed cost Workers' Compensation, providing quick quote turnaround and service for our brokers and their insureds. We also have the ability to insure firms with debit and high experience mods, new ventures with no mods, and those with multi-state exposures. Large deductible plans can be written for insureds looking to assume more control over their comp costs and save premium dollars. Here the insured is responsible for reimbursing the carrier for claims up to a certain dollar amount, with the carrier responsible for paying claims in excess of the deductible amount. A large deductible policy protects the employer from catastrophic losses, and can be appealing for firms that experience very low losses and are confident they will continue on that track. Our Excess markets provide cover to meet the needs of companies that self-insure their predictable losses, and are looking to purchase insurance for catastrophic exposures.

The RPS Workers' Compensation team can also assist you with helping businesses of all sizes minimize losses and reduce costs through robust safety programs, implementation of Return to Work programs, a review of claims handling and reporting procedures, pinpointing claims trends and evaluating accident history, and more. We can also provide assistance with reviewing a firm's current insurance policies, its experience modification worksheet, payroll audits, and loss-sensitive rating adjustments to determine whether improvements can be made and where there have been problems or miscalculations.

Excess Workers' Compensation

RPS specializes in Excess Workers Compensation nationwide, serving a market of self-insured entities such as corporations, nonprofit groups and public entities looking to purchase insurance for catastrophic exposures. RPS' top-tier network of carriers helps ensure the most effective risk placement for these clients.

Work Comp for Temporary Staffing

Securing competitive Workers' Compensation coverage for a Temporary Staffing firm can be a challenge, and requires that you work with a team of experts dedicated to keeping both their eyes and ears on this specific niche.

RPS is proud to have a team of experts who do just that - Workers' Compensation for the Temporary Staffing Industry. They understand the unique challenges and have dedicated their insurance careers, over 40 years combined, to ensure your clients are properly covered. Our partnerships with the industry's top rated carriers allows us to deliver a wide range of options, customizable to the diverse needs unique to each Temporary Staffing firm.

Workers' Comp for Temporary Staffing Coverage Highlights

• Guaranteed cost
• Small deductible & large deductible workers' compensation policies
• Tailored offerings, designed specifically for the temporary staffing industry
• Available nationwide
• Broad class code appetites
• Competitive payment terms (sometimes with a 0% deposit requirement)
• Pay-As-You-Go, installments and pay in full plans available
• We cannot write new ventures or accounts that are in a current PEO relationship (unless credible carrier loss information can be obtained)