Risk Partners offers workers’ compensation underwriting services nationwide in partnership with 18 different insurance carriers. Our contractual arrangements with both retail agencies and insurance company partners provide differentiated workers’ compensation programs, products and services to clients.

Risk Partners engages agencies and insurance companies as a specialty underwriter, with underwriting authority extended nationwide across more than 500 classification codes. Our contracted agency partners outsource their underwriting, consulting and placement services to Risk Partners, and receive access to guaranteed cost, dividend plans, retrospective rating plans, large deductible and captive alternatives. With strong market relationships and industry expertise, Risk Partners is uniquely positioned to offer quality risk financing solutions for insureds of any size or complexity.

  • Workers Compensation Preferred Industries

    Our guaranteed cost underwriting includes more than 500 classes of business. Below is a small sampling of some target industries:

    • Artisan Contractors
    • Assisted Living
    • Auto Dealers (Program)
    • Educational Institutions (incl special needs)
    • Fabricators
    • Food Processing, Canning & Packing
    • Golf Courses
    • Grading of Land
    • Hotel & Motel
    • Janitorial
    • Manufacturing / Processing
    • Non-Emergency Medical Transportation (Program)
    • Nursing Homes (minimum premiums apply by state)
    • Property Management
    • Restaurants (Program)
    • Tire Dealers
    • Warehouse / Logistics
    • Wholesale / Retail
    • And Many More!


Risk Partners recognized the market need for agents and brokers to access an underwriting facility that allowed insureds to pay workers compensation premiums based upon their reported payroll – independent of their payroll company. Since 2006, our proprietary software has supported our nationwide “Pay-As- You- Go” workers’ compensation programs.

Agents and payroll companies offer their clients access to our underwriting contracts while funding premiums via automated conversion of payroll to premium. Agents contracted with Risk Partners have access to the only underwriting facility with the automation needed to interface with all of their clients’ payroll companies.

Professional Employment Organizations (PEOs)

Risk Partners provides comprehensive PEO solutions and savings for accounts with significant payroll within hazardous industry classifications. Our underwriting and audit staff works with select PEOs to help manage human resource responsibilities and employer risks. The insured benefits from substantial workers compensation savings, while having an expert to help manage the growing burdens of employment law and regulation.

Our PEO providers offer cost-effective outsourcing of healthcare benefits, workers’ compensation claims, payroll, payroll tax compliance, and unemployment insurance claims.

Since PEOs assume responsibility for insureds’ workers’ compensation coverage as well as payment of unemployment taxes, selecting the appropriate PEO is critical. Some PEOs voluntarily submit to governmental agencies for tax and insurance compliance, while others improperly avoid oversight. Consult with Risk Partners in order to access reputable and compliant PEO providers.

The range of acceptable industries throughout the country is extremely broad, with a concentration of heavy contracting and construction exposures.