Roofing Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' compensation for roofing contractors that standard markets decline or non-renew: high experience mods, shock losses, lapsed coverage, heavy subcontractor use and new ventures without loss history. Tell us the operation, the state and roughly where the mod sits, and we reply within one business day with a yes, a no, or exactly what we would need to see. You do not need an ACORD or loss runs for that first answer.
Need this account placed? Call (714) 928-3858, email proposals@cprbrokers.com, or submit your account online — 24-hour turnaround on most submissions.
Accounts we want to see
Experience mods above roughly 1.25, the band where much of the standard market closes.
Residential, commercial and mixed roofing operations, including steep-slope and re-roof work.
California C-39 contractors, including accounts split between class 5552 and 5553 at the $33.00 hourly wage threshold.
Contractors with heavy subcontractor use and uninsured-sub exposure from prior audits.
Cancellations, non-renewals and lapsed coverage, including accounts parked in a state fund or assigned risk.
New ventures and contractors with less than three years of loss history.
Clean roofing accounts that want a second look at price.
How we place them
We take the account to the market that fits it. Depending on the file, that means standard or specialty non-standard markets, PEO and ASO programs, pay-as-you-go structures, or a state fund or assigned-risk placement with a plan to move the account out as the mod improves. A high-mod account with a thin file gets an instant decline; the same account with its story explained gets quoted.
What to send
Start with the three-line answer through Will We Write It. If it is a yes, send:
ACORD 130 and a short description of the work: residential vs commercial, steep vs low slope, typical job height.
Four to five years of currently valued loss runs.
The experience mod worksheet, current and prior.
Payroll by class code and state; in California, hourly wage records that support the 5552/5553 split.
Subcontractor costs and certificates of insurance for subs.
Written fall protection program, training records and safety meetings.
Any OSHA citations and how they were closed.
Tell the story of the losses
Underwriters price the next serious injury. A shock loss three years ago with nothing since reads very differently from steady frequency, and the submission should say which one it is. Include what changed after the loss: new supervision, training, written safety procedures, and a return-to-work program that brings injured employees back on modified duty.
Reading list for your client
Roofing workers' comp guide: NCCI 5551, California 5552/5553 and the markets that still write declined roofers.
California 5552 vs 5553: the $33.00 threshold and when a raise pays for itself.
California C-39 placement: why a C-39 has no exemption.
High X-mod placement: the four paths for a high-mod account.
Frequently Asked Questions
What mod is too high for roofing?
There is no single cutoff, because it depends on the loss pattern behind the mod. Much of the standard market closes above roughly 1.25. We work accounts above that, and the explanation of the losses often matters more than the number.
Does CPR work with retail agents?
Yes. Agents and business owners both submit to us. We are a wholesale workers' comp MGA, built to take the accounts a retail agent cannot place with their own markets.
Do you only want high-mod accounts?
No. We place hard accounts, but we also quote clean accounts with a reasonable loss history that want a better price or a better carrier. Send those too.
What states do you cover?
We place workers' comp nationwide, with a strong California focus. Monopolistic states and state-specific rules are handled case by case.
Have a roofing account that needs a home? Run it past us at Will We Write It, or send the file to proposals@cprbrokers.com. Call 714-928-3858.
