Commercial Division
Workers’ Comp
Guaranteed cost and program work comp
Agents must be appointed with INVO to receive commission on submitted or bound accounts.
What we write on payroll
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
Products
What we write in this division
Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.
Featured · Catch-All
General Workers' Compensation
Standard and E&S comp across most industries and class codes.
- Workers' Compensation
Eligibility highlights
- Guaranteed cost and pay-as-you-go
- Multi-state and program accounts
- Prior-loss and assigned-risk accounts considered
Send with the submission
- Appropriate ACORD Application
- Loss runs up to 5 years, if possible, or no-loss letter
- Experience mod worksheet when available
- Payroll by class code
Response time: 1 business day
Construction
Construction & Contractors
Trade contractors, general contractors and subcontracted operations.
- Workers' Compensation
Eligibility highlights
- Artisan and general contractors
- Payroll split by class code required
- Subcontractor use documented
Send with the submission
- Appropriate ACORD Application
- Contractor supplemental
- Payroll by class code and state
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Construction
Roofing
Residential and commercial roofing, including tear-off and steep pitch.
- Workers' Compensation
Eligibility highlights
- Residential and light commercial roofing
- Height and hot-work details required
- Prior loss history reviewed closely
Send with the submission
- Appropriate ACORD Application
- Roofing supplemental
- Percentage of residential vs. commercial and pitch/height detail
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Services
Tree Service & Tree Pruning
Trimming, removal, stump grinding and storm work.
- Workers' Compensation
Eligibility highlights
- Trimming, pruning and removal operations
- Height of work and equipment list required
Send with the submission
- Appropriate ACORD Application
- Tree service supplemental
- Maximum working height and equipment list
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Human Services
Home Healthcare
Non-medical and skilled in-home care providers.
- Workers' Compensation
Send with the submission
- Appropriate ACORD Application
- Home healthcare supplemental
- Payroll split by caregiver and clerical
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Transportation
Trucking & Delivery
Comp for drivers, delivery operations and last-mile contractors.
- Workers' Compensation
Send with the submission
- Appropriate ACORD Application
- Radius of operation and commodities hauled
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Staffing
Staffing & Employee Leasing
Temporary staffing and leased-employee payroll — routed to Temp Staffing.
- Workers' Compensation
Send with the submission
- Appropriate ACORD Application
- Temp staffing supplemental
- Payroll by state and class code
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Markets
Sample markets in this division
Live carrier appetite records routed to this division.
Sample markets
Construction / Contractors WC
Workers’ Comp
Send to INVO · 1 business day
Staffing / Employee Leasing WC
Workers’ Comp
Send to INVO · 1 business day
Tree Service WC
Workers’ Comp
Send to INVO · 1 business day
Roofing WC
Workers’ Comp
Send to INVO · 1 business day
Home Healthcare WC
Workers’ Comp
Send to INVO · 1 business day
Trucking / Delivery WC
Workers’ Comp
Send to INVO · 1 business day
Questions
Workers’ Comp FAQ
The questions agents ask most before sending an account.
Still unsure? Ask an underwriter.
Other divisions
Placing something else?
Each division owns its classes end to end.
Commercial Digital
Quote commercial accounts online
Explore divisionPersonal Lines
Quote and submit personal accounts
Explore divisionTransportation
Trucking, fleet, cargo, and auto
Explore division- You're here
Workers’ Comp
Submit workers' comp accounts
Commercial Specialty
Specialty casualty markets
Explore divisionTemp Staffing
Staffing, PEO, WC, and liability
Explore division
