Warehouse and Distribution Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' compensation for warehouse, third-party logistics and distribution operations that standard markets decline or non-renew: high experience mods, reclassification fights at audit, temp-labor exposure and fast payroll growth. 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
General warehousing and distribution accounts (class 8292 and related codes).
Third-party logistics, fulfillment and cross-dock operations.
Experience mods above roughly 1.25, and accounts reclassified at audit.
Operations that lean on temporary or staffing-agency labor.
Accounts with forklift, conveyor or lifting losses in the experience period.
Cancellations, non-renewals and lapsed coverage.
Clean warehouse accounts that want a better price at renewal.
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 description of the operation: what is stored, how it moves, any delivery or trucking.
Four to five years of currently valued loss runs.
The experience mod worksheet, current and prior.
Payroll by class code and state, and the most recent audit with any reclassification.
Headcount, shifts and how much labor comes through a staffing agency.
Forklift certification, equipment and ergonomic programs.
Return-to-work program.
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
Warehousing workers' comp guide: why code 8292 gets reclassified so often.
Warehouse workers' comp: lower mod, better quotes: what to do before renewal.
Reading a loss run: how an underwriter reads it.
High X-mod placement: the four paths for a high-mod account.
Frequently Asked Questions
What if the account was reclassified at audit?
Send the audit and the prior policy's classifications. We look at whether the reclassification was right before quoting, because the class assignment usually moves price more than the carrier does.
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 warehouse or distribution 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.
