PROGRAMS
COMPENSATION PROGRAMS FOR COMPLEX RISKS
CPR Business Solutions delivers workers' compensation coverage designed specifically for agents who need to protect clients, improve workplace safety, and reduce costs. We specialize in high-risk and hard-to-place industries — including roofing, trucking, and temporary staffing, plus elevated mod situations. Our programs offer access to PEO, ASO, master policy, and EOR markets, making even the most complex placements possible.
WHAT MAKES A COMPANY 'HARD TO WRITE'?
Some businesses face unique challenges when it comes to securing workers’ compensation coverage:
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High Experience Mods – A history of frequent or severe claims leading to elevated EMRs.
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High-Hazard Industries – Sectors like trucking, roofing, staffing, and construction.
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Complex Workforce Profiles – Multi-state operations, 1099 contractors, or seasonal employees.
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Limited Carrier Appetite – Many standard carriers avoid these types of risks.
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Comprehensive Workers' Comp Programs for Complex Needs
Here's how that appetite breaks down:
Risk Appetite:
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Middle market, high-hazard
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Niche industries, high-risk sectors
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High-mod, penalized, distressed risks
Industries Served:
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Construction, healthcare, energy, staffing
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Roofing, auto dismantlers, trucking, public entities
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Any industries with tough comp history
Unique Strengths:
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Regional underwriters, loss control
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Plus 40+ ASO / E&S and standard-market carriers for guaranteed-cost placements
Best For:
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Businesses needing hands-on consulting
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Niche operators with specific exposures
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Companies rejected by standard markets