Work First is one of the few workers’ compensation insurance companies providing a tailored package to meet the unique needs of the healthcare industry.
Hi, I’m Bruce Winterrowd, Vice President of Underwriting. Since 2005, we have provided a stable market for workers’ compensation, offering two types of policies tailored specifically to the needs of healthcare companies: Guaranteed Cost and Medium Deductible. We operate in 39 states and the District of Columbia, which means we can cover your clients almost everywhere.All of our new policies are underwritten personally by me. If you have any questions, please contact me directly at (630) 416-7954 or email firstname.lastname@example.org. I’d love nothing more than to speak with you personally!
We have written hundreds of Guaranteed Cost policies ranging from our minimum premium of $75,000 to over $6,000,000. Furthermore, we have been tremendously successful in assisting people just like you in lowering their experience modifiers and ultimately their cost of insurance.
Consider what a Guaranteed Cost policy from Work First can do for you:
Your premium won’t fluctuate regardless of loss experience, guaranteed
Enables accurate budgeting of insurance cost
Lowering your experience modifier will reduce your premium
You are free to cater a policy to match your needs by selecting among deductible amounts ranging from $5,000 to $75,000. The choice is yours – the higher the deductible, the more opportunity to save. Regardless of your deductible level, you will receive our world-class claims service and prompt underwriting attention.
Gain access to these features with a Medium Deductible program:
A Medium Deductible policy doesn’t cost nearly as much as a fully-insured policy
If you reduce your claims, you won’t pay as much for your workers’ compensation program
You are responsible for your claims only – your ‘risk’ is not pooled together with the risk of other companies (not a captive program)
Deductibles are billed monthly and you don’t need to post a loss fund
We would love to have you become one of our satisfied clients! To be considered, we have some guidelines you should be aware of:
Minimum Premium $75,000
Minimum of 3 years in business or equivalent industry experience
Limited exposure in IL, NY, SC and LA – ideally incidental exposure in an otherwise conforming submission