Work First Casualty knows what your client needs.

We provide tailored workers’ compensation insurance packages for home health, hospice and senior care to give your clients the best options.

Workers Compensation Policies For Every Need

Guaranteed Cost

Range: $$100,000 – over $6 million

At Work First Casualty, our team of professionals has written hundreds of Guaranteed Cost policies and helped policyholders lower their experience modifiers and, ultimately, their cost of insurance.

Benefits

  • Significant cash flow advantage over a guaranteed cost policy
  • Opportunity for your good claims performance to reduce the total cost of your workers’ compensation program
  • No pooling the risk of other staffing company injuries as in alternative risk (captive) programs
  • No requirement to post a loss fund – deductibles are billed monthly

Deductible Option:

Small deductibles

Range: $2,500 – $10,000

A small deductible policy from Work First Casualty is a great option for companies moving up from a guaranteed cost policy.

Benefits

  • No requirement to post collateral
  • Some state regulations allow for reporting losses net of the deductible paid which can help to meaningfully reduce your client’s experience modifier

Intermediate Deductible

Range: $25,000 – $75,000

Cater a policy to match your client’s needs. Regardless of the deductible level, policyholders will receive Work First Casualty’s world-class claims service and prompt underwriting attention.

Benefits

  • Minimize collateral requirements
  • No loss fund required
  • Deductibles are billed monthly

Large Deductible

Range: $100,000 – $500,000

Our large deductible option is for clients who have mastered risk management and value significant premium savings, with the unbeatable claims service and prompt underwriting attention for which Work First Casualty is famous.

Large deductibles require collateral to be posted to ensure the payment of deductibles. Work First has flexible collateral options including letters of credit, cash collateral, and a “working cash” collateral program.

Benefits

  • Significant cash flow advantage over a fully insured policy
  • Good claim performance can significantly reduce the total cost of your workers’ compensation program
  • No pooling of risk with other companies as found in captive programs
  • No requirement to post a loss fund – deductibles are billed monthly

Primary Underwriting Requirements

  • Minimum Premium $100,000
  • Minimum of 3 years in business
  • No PEO or Leasing Exposures
  • 5-year incurred loss ratio of < 50%

What Does My Client Need?

Complete the ACORD 130 and our Supplemental Application, which includes:

  • Currently, valued loss runs for the current and previous four years
  • Copy of the most recent annual and year-to-date financial statements (audited if available)

Let’s Talk

Hi, I’m Bruce Winterrowd, Vice President of Underwriting. Since 2005, Work First Casualty has provided a stable market for workers’ compensation, offering three types of policies: Guaranteed Cost, Intermediate Deductible and Large Deductible. We operate in all 50 states and Washington DC, which means we can cover your clients across the United States. If you have any questions, please contact me directly: I’d love nothing more than to speak with you personally!

What Can We Help You Achieve?

What Can We Help You Achieve?

Contact us to discuss the right workers' compensation solutions for your growing business.