HIGH-RISK WORKERS' COMPENSATION INSURANCE
CPR Business Solutions is a workers' compensation MGA and wholesale broker built around high-risk and high-mod accounts. We work with retail agents who need markets their own appointments don't reach, and with employers who've been non-renewed, surcharged, or pushed into the state fund. What we place: guaranteed-cost workers' comp, PEO programs, ASO comp-only programs with no payroll bundling, assigned-risk exits, and pay-as-you-go billing tied to actual wages.
More Markets. More Options. Better Solutions.
High Mods • Heavy Losses • High-Hazard Classes • Hard-to-Place Accounts
At CPR Business Solutions, we help insurance agents and brokers find Workers’ Compensation solutions for accounts that don’t fit the traditional marketplace.
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We specialize in high-hazard classes, elevated experience modification factors, challenging loss histories, shock losses, and other hard-to-place risks.
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When a standard carrier says no, rates become uncompetitive, or a client is forced into a state fund, CPR Business Solutions gives agents another option. Through our specialty Workers’ Compensation markets and programs, we help agents find coverage solutions that can keep their clients insured and their accounts on the books.​
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Your tough account is our opportunity.
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Retail agents and employers are both welcome. Send a submission to proposals@cprbrokers.com or call 714-928-3858, and we'll come back within 24 hours.
HOW WE PLACE HARD ACCOUNTS
Agents come to us when their own options have run out. We hold direct relationships with specialty carriers, Master policy programs, and assigned-risk mechanisms that don't sell to retail agents, and we know how to package a submission so an underwriter has a reason to say yes rather than a reason to pass. Most accounts come back within 24 hours.​
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Above 1.3 and above 3.0. We price the loss history instead of declining it.
HIGH EXPERIENCE MODS
Roofing, framing, tree service, demolition, staffing. Codes the standard market won't quote at any price.
HAZARDOUS CLASS CODES
Cancelled, non-renewed, or no history at all. Bound without a clean three-year run.
LAPSES AND NEW VENTURES
ASSIGNED-RISK EXITS
Accounts stuck in the pool, moved back to the voluntary market with a plan to keep them there.
High mods, big claims, hazardous work, or new ventures — we’ve got you covered. California is our largest book — see our California workers' comp placement guide. Since 2021, we’ve helped a few hundred businesses cut costs and protect their teams with:
Competitive Workers’ Comp
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Payroll & HR Solutions
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Claims Reduction & Compliance
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Local service. National reach. One partner for all your HR and risk management needs.