INVO Underwriting

Commercial Division

Workers' Compensation

Guaranteed cost and program work comp

Find a market Submit to an underwriter

Monoline and package workers' compensation across guaranteed cost, pay-as-you-go and program markets, including tougher class codes and prior-loss accounts.

Workers' Compensation risks written by INVO Underwriting

What we write

Appetite at a glance

  • Guaranteed cost monoline work comp across most class codes
  • Pay-as-you-go and payroll-integrated billing
  • Multi-state programs with a single point of contact
  • Accounts with prior losses or an elevated experience mod
  • Construction, manufacturing, healthcare and hospitality payrolls

Usually handled elsewhere

  • Monopolistic states — ND, OH, WA and WY are state-fund only
  • USL&H and Jones Act monoline without supporting business
  • Staffing and PEO payroll — Temp Staffing

Pathways

How to place business in this division

Every INVO division supports at least one clear path to a quote.

Digital work comp

Instant quoting for clean, low-hazard class codes.

Find a Market

Submit an account

Loss-sensitive, multi-state and distressed accounts go to underwriting.

Submit to an Underwriter
  • Pay-as-you-go options
  • Multi-state programs
  • Prior-loss and assigned risk

Markets

Sample markets in this division

Live carrier appetite records routed to this division.

Construction / Contractors WC

AL, AK, AZ, AR, CA, CO +41

Submit to underwriterWorkers Compensation

For contractor and construction-related workers’ compensation, including painting.

Required: ACORD 130, Loss runs or no-loss letter, Payroll/class information

Submit account

Staffing / Employee Leasing WC

AL, AK, AZ, AR, CA, CO +41

Submit to underwriterWorkers Compensation

For staffing firms, PEOs, and employee leasing workers’ compensation.

Submit account

Tree Service WC

AL, AK, AZ, AR, CA, CO +41

Submit to underwriterWorkers Compensation

For tree trimming, tree removal, stump grinding, and arborist risks.

Submit account

Roofing WC

AL, AK, AZ, AR, CA, CO +41

Submit to underwriterWorkers Compensation

For roofing contractors and roof repair risks.

Submit account

Home Healthcare WC

AL, AK, AZ, AR, CA, CO +41

Submit to underwriterWorkers Compensation

For home healthcare, home care, and companion care workers’ compensation.

Submit account

Trucking / Delivery WC

AL, AK, AZ, AR, CA, CO +41

Submit to underwriterWorkers Compensation

For trucking, courier, final mile, and delivery-related workers’ compensation.

Submit account
Search the full marketplace

Submission requirements

What to send with a submission

Complete submissions are quoted first. Missing documents are the most common cause of delay.

  • ACORD 130
  • Payroll by class code
  • Loss runs (3–5 years)

Send it to Workers' Compensation Underwriting

Typical response time: 24 business hours.

Start a submissionTalk to our team

Questions

Workers' Compensation FAQ

The questions agents ask most before sending an account.

Still unsure? Ask an underwriter.

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Placing something else?

Each division owns its classes end to end.

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