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Warehouse and Distribution Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' comp for warehouse, 3PL and distribution operations, hard-to-place and clean alike. Here is what to send.
Evan Swan
4 hours ago3 min read
Janitorial Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' comp for janitorial and commercial cleaning contractors, hard-to-place and clean alike. Here is what to send.
Evan Swan
4 hours ago3 min read
Security Guard Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' comp for security guard companies, from declined and high-mod accounts to clean, growing contract firms. Here is what to send.
Evan Swan
4 hours ago3 min read
Roofing Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' comp for roofing contractors that standard markets decline or non-renew. Here is what we want to see, what to send, and how quickly we answer.
Evan Swan
4 hours ago3 min read
California Security Guard Workers' Comp: Class 7721(2), the 2026 Rate and Placement
California rates security guards under WCIRB class 7721(2), armed or not. This guide covers the 2026 rate, the neighboring codes, the payroll rules that affect an audit, and how a guard company gets placed.
Evan Swan
Oct 226 min read
Staffing Agency Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' comp for staffing agencies that the standard market declines or non-renews. Here is what we want to see, what to send, and how quickly we answer.
Evan Swan
Oct 223 min read
Can a Staffing Agency Use a PEO or ASO for Workers' Comp?
Many PEO and ASO workers' comp programs restrict staffing agencies, but some accept them. This guide compares the structures, lists the cost items to total, and explains when a program beats a standalone policy.
Evan Swan
Oct 224 min read
Staffing Agency Workers' Comp Audits: The Payroll Reporting Mistakes That Start Disputes
Staffing agencies are audited hard because payroll moves fast and spans many classes. This guide covers where audits go wrong, with worked examples and a monthly checklist that prevents most disputes.
Evan Swan
Oct 224 min read
Staffing Agency Workers' Comp: Alternate Employer Endorsements and Client Certificates
Staffing clients routinely require certificates, alternate employer endorsements and waivers of subrogation. This guide explains what each does, what a certificate does not do, and how California Labor Code 2810.3 raises the stakes.
Evan Swan
Oct 224 min read
Trucking Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' comp for trucking and delivery fleets that the standard market declines or non-renews. Here is what we want to see, what to send, and how quickly we answer.
Evan Swan
Oct 223 min read
California Owner-Operator Trucking Workers' Comp: The 25% and 60% Payroll Rule
When California drivers own or furnish their vehicles, the WCIRB's driver payroll rule sets a floor under reportable payroll: 25% for heavy rigs, 60% for light vehicles without an accountable plan. Rule text, examples and the records that protect an audit.
Evan Swan
Oct 225 min read
California Trucking vs Parcel Delivery Workers' Comp: Class 7219(1) vs 7198(1)
California rates for-hire trucking under WCIRB class 7219(1) and contract parcel delivery under 7198(1). This guide covers the weight test that separates them, three years of rates, and what the gap does to premium.
Evan Swan
Oct 225 min read
Restaurant Group Workers' Comp With a Clean Loss Run
A restaurant group with a clean claim history is priced on classification, payroll by location, the mod and submission quality. Here is what to get right.
Evan Swan
Oct 122 min read
Restaurant Workers' Comp Renewal Went Up? What to Check Before You Accept It
A restaurant workers' comp renewal that jumped usually traces to the class codes, payroll, the experience mod, the loss run or the carrier's rate. Here is what to check, in order.
Evan Swan
Oct 124 min read
Restaurant Workers' Compensation Insurance: California Class Codes, Rates and Renewals
California split restaurants into separate workers' comp classes in 2024. Here is how 9080, 9083 and 9081(1) work, what the 2026 rate change means, and what to do when a renewal jumps or a carrier will not renew.
Evan Swan
Oct 126 min read
Warehouse Workers' Comp: Lower Mod, Better Quotes
A warehouse with a decent loss history is priced on class, mod and submission. Here is what to fix before renewal.
Evan Swan
Oct 52 min read
Janitorial Contractor Workers' Comp With a Good Loss History
A cleaning contractor with a manageable claim history is priced on class, mod and submission quality. Here is what to get right.
Evan Swan
Oct 52 min read
Security Guard Company Workers' Comp With a Clean Loss Run
A guard company with a manageable claim history is a different placement. Here is what decides the price and what to fix before renewal.
Evan Swan
Oct 53 min read
Quoting Platforms vs. a Wholesale MGA for Hard Workers' Comp
Quoting platforms handle clean accounts. Here is when agents should route hard-to-place workers' comp to a wholesale MGA, and what to send.
Evan Swan
Sep 293 min read
Backdating Workers' Comp After a Missed Renewal
A carrier will not backdate workers' comp to cover an injury that already happened. Here is what a gap costs and how to get covered again fast.
Evan Swan
Sep 294 min read
Frequently asked questions
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Industries that are generally considered hard-to-write for workers' compensation insurance include: Construction, Manufacturing, Transportation, Logistics, Trucking, Healthcare, Agriculture, Asbestos Removal, Oil and Gas Drilling, Forestry, Logging, and Masonry. These industries have higher risks and potential for workplace injuries and claims.
Specialty workers' comp can be harder to place when you’re dealing with high-risk classes, tougher loss history, multi-state exposure, or lapsed coverage. That’s where CPR steps in. You get a fast, simple path to the right market for tough accounts in industries like construction, trucking, manufacturing, staffing, and restaurants.
Our strategies to lower Workers' Compensation costs include partnering with carriers who specialize in high-risk clients. By joining a Professional Employer Organization (PEO), you can pool employees for better rates. We also focus on strong risk management, improving claims processes, and optimizing your Experience Modification Factor (EMF) with advanced technology.
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