Specialty Workers' Compensation Solutions


Insurance Solutions


RTW Workers Compensation Programs

Monoline Workers Compensation Solutions For Your Small Account Programs


RTW targets business partners including program managers, wholesale agents, brokers and consultants for small to medium sized workers compensation account programs. Whether it is an existing program or a new program, RTW looks to partner with you to provide the workers compensation coverage as a compliment to your other commercial lines.

Program Business Appetite:

  • Average size workers compensation premium per account of under $15,000
  • Program members should be homogeneous in operations
  • Focus on accounts with experience modifications under 1.10
  • Regional programs such as state associations, trade associations or groups (see map below for eligible states)
  • Businesses should be in a 4 walled environment
  • No contracting or heavy manufacturing
  • No transportation operations
  • Monoline workers compensation  (can be partnered with programs covering other lines)

Target Industry Groups:

  • Retail/wholesale
  • Restaurants
  • Professional (doctors, dentists, banks, etc.)
  • Hospitality (hotels/motels)
  • Service Industry
  • Light Manufacturing

Benefits of RTW Programs:

  • 20 years of workers compensation specialized expertise
  • Rated “A” Excellent by A.M. Best as part of the State Auto Group
  • State of the art technology allows you to rate, quote and bind all business from your desktop
  • Claim services second to none. Improve the performance of your program’s loss results
  • Additional value added services such as pre-hire screening tools and a national network of transitional jobs using non-profit and volunteer organizations

Our Geography for Programs

Our Geography for Programs 01 2015 for website