Risk Innovations specializes in Workers’ Compensation Insurance. It’s the only line of business we write in Commercial Lines. Our team are truly experts on every facet of Workers’ Comp – from multi-state risks and international exposures, to USL&H and everything in between.

We have 35+ monoline Workers’ Compensation markets (varies by state) to ensure that we can accommodate almost all risks. Risk Innovations has niche programs and exclusive underwriting guidelines within most of these markets as well.

  • All Industries – including high hazard operations
  • New Ventures
  • Lapses/No Prior Coverage
  • Unlimited Experience Mods
  • Multi-State Accounts
  • All Premium Sizes
  • Flexible Payment Options
  • USL&H and Foreign Coverage
  • New Ventures Accepted
  • “A” Rated Paper
  • Available Nationwide
  • Low Minimum Premiums
  • Multi-state Options
  • No Experience Mod Restrictions
  • Low Minimum Premiums
  • Monthly Self Reporting / PayGo Options
  • Dividends Available (state depending)
Learn More About Our Programs
  • Heavy Construction
  • Manufacturing
  • Transportation
  • Home Health
  • Retail/Wholesale
  • Hospitality
  • Non-Profits/Social Services
  • Contractors
  • Janitorial
  • Landscaping

Want a quick Workers’ Compensation indication? Risk Innovations has you covered! For select states, use the link below to get an indicated premium based on the class code/payroll/experience mod. Our goal is to constantly provide useful resources to aid in your daily production!


*We provide WC coverage in every state except North Dakota, Ohio, Washington and Wyoming.