HIGH-RISK WORKERS' COMPENSATION INSURANCE, PEO & ASO SERVICES
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.
The Accounts Standard Carriers Decline
CPR Business Solutions is a workers' compensation MGA and wholesaler built for the accounts standard carriers turn down. No class code and no experience mod is beyond us, and we place coverage in all 50 states.
Most of what we see arrives the same way. A retail agent has shopped an account to every carrier they're appointed with, and every one has declined. Usually it's an experience mod above 1.25, a loss run with a serious claim on it, a lapse in coverage, a new venture with no history, or a class code the standard market won't write at any price.
That's the account we want. As a wholesaler we reach specialty E&S carriers, PEO co-employment programs, state funds, and assigned-risk mechanisms that don't sell directly to retail agents. Just as important, we know how to package a submission so an underwriter says yes instead of passing.
California is our largest book and the hardest state in the country to place in. Between WCIRB dual-wage classifications, cumulative-trauma exposure, DIR surcharges, and the 10.4% pure premium increase landing September 1, 2026, a California account priced by someone who doesn't work the state daily is usually priced wrong.
Retail agents and employers are both welcome. Send a submission to proposals@cprbrokers.com or call (704) 256-5945, and we'll come back within 24 hours.
HOW WE PLACE HARD ACCOUNTS
Agents come to us when their own appointments have run out. We hold direct relationships with specialty carriers, PEO co-employment programs, competitive state funds 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.
​
What that means for the accounts you can't place:
​
​
​
Above 1.25, and above 2.0. 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:
Discounted Workers’ Comp
​
Payroll & HR Solutions
​
Claims Reduction & Compliance
​
Local service. National reach. One partner for all your HR and risk management needs.