Workers’ Compensation Program for Small Businesses and Artisan Contractors
View target classes in New England and New York State
Fax ACORD Application to (413) 781-0050 for a quote
No Loss History required for submissions generating less than $25,000 premium
Minimum Payroll:
$15,000 (plus and owner)
$25,000 for contracting classes (1 full time employee is required)
Pay-As-You-Go billing available with no down-payment, no installment fees.
View List of Payroll Service Partners
MASS Agents only:
Deviations up to 20% available for premiums over $7,500* View eligible classes
*Deviation for Restaurant Classes available regardless of premium amount
Safety Groups Dividend Plans (up to 40% premium return based on the group loss ratio) available for:
- Automotive (new & used car dealers; tire dealers, auto paint & body shops, auto parts stores, car wash etc.)
- Restaurants (fast food, family style, diners, etc. No Tavers/bars, night clubs or excessive liquor exposures)
- Retail/Wholesale Food Group (grocery, meat, and produce outlets; food processing, canning, packing, etc.)
View List of Qualifying Safety Group Class Codes
No experience or prior WC insurance required for the following classes in MA or RI:
- Janitorial services, Landscaper/Lawn maintenance/Gardener
- Appliance Installation/Inspection/Repair; Alarm or Security
System Installation & Repair
- Carpet/Rug Cleaning & Storage and other 56 classes (click to view)
Carrier: A.M. Best® Rating “A-” Excellent
Fax ACORD Application to (413) 781-0050 for a quote or e-mail to tgonet@specialrisksltd.com