About | FAQ

Submission Requirements Information

About | FAQ

Submission Requirements Information

The RWISI Group

RWISI Group partners with insurance agents and brokers all across the country by providing standard and alternative Workers’ Compensation insurance for your clients. RWISI Group has niche market expertise including High Risk, Hard-to-Place, High Mod, Multi-State, Pay-As-You-Go, and Captives. Startup businesses are welcome in many cases.

We will review your risk and identify the market that best suits your specific business and work to maximize the value of your client’s insurance dollar. RWISI Group has over 65 years of experience providing these products for our partners.

Frequently Asked Questions

1. In what States can RWISI Group write Workers’ Compensation insurance?

We can write in almost all States, dependent upon premium size, exposure, and underwriting guidelines.

2. What is your Modifier Range?

We can write mods that range from 1.0 to 3.5, and sometimes higher than that.

3. What is your Modifier Range?

We can write mods that range from 1.0 to 3.5, and sometimes higher than that.

4. What is your minimum premium?

Our minimum premiums in most States is $50,000, although some minimums may be lower and some may be higher. The premium depends on the State, the exposure, and underwriting guidelines.

5. What classes of business can RWISI Group write Workers’ Compensation?

We can write most classes of business dependent upon the State and exposure. Please see the partial list of ideal candidates to get an indication of what we can write.

6. Do you write hard-to-place risks?

Yes, our specialty is placing very difficult risks.

7. Can you write Workers’ Compensation for start-ups?

Yes, in many cases, we can write workers’ compensation insurance for start-up businesses.

8. What requirements do you have regarding premium and volume commitments with producers?

We do not require minimum premium or volume levels for producers. Our minimum premium is $50,000, although some minimums may be lower and others may be higher depending on the State, the exposure, and underwriting guidelines.

9. Do you use PEO’s (Professional Employer Organizations) for some risks?

Yes, sometimes a PEO may be the only option other than the Assigned Risk Pools, which are usually difficult to deal with. We work with the producer and their client to explain the PEO programs.

Submission Requirements

Acord 125 and Acord 130 (minimum premium is $50,000)
3 – 5 years of currently valued loss runs (within 60 days of renewal or start date)
Detailed description of operations and/or website address, if available
Experience modifier worksheet/mod factor
3 – 5 years of historical payroll and premiums
Expiring premium
Miscellaneous supplemental forms required for the type of submitted risk

Our Unique Specializations

Hard-To-Place USL&H and Jones Act Maritime risks.
Troubled high risk, high mod, contractor WC class codes including roofing and steel erection.
Difficult multi-state, multi-unit hospitality risks such as franchise & non-franchise restaurant, hotel cleaning & maintenance including golf courses and vacation resorts.
Professional Human Resources Administration staff with extensive legal and HR expertise.
HR Benefits Administration Team with vast experience in major medical, major dental, long and short term disability, pre-tax section 125 benefit plans, matching options, and 401(k), profit-sharing, and retirement programs.
Our Payroll Administration Team specializes in the preparation and distribution of payroll checks, direct deposits of wages, Year-End W-2s and W-3s, filing tax reports, and many other payroll areas.
Our Workers’ Compensation and Risk Control Team specializes in analyzing current risk and present comprehensive safety recommendations, assisting with OSHA compliance, providing a network of physicians, specialists, and facilities for treatment of injuries, conducting ongoing reviews and analyses of claims and losses, disability administration, coordinating MSDS and DOT compliance and bloodborne pathogen training.