Healthcare Companies


Work First is one of the few workers’ compensation insurance companies providing a tailored package to meet the unique needs of the healthcare industry – we specifically target the home health, hospice and senior care industries.

Hi, I’m Bruce Winterrowd, Vice President of Underwriting. Since 2005, we have provided a stable market for workers’ compensation, offering three types of policies: Guaranteed Cost, Medium Deductible and Large Deductible.  We operate in all 50 states and the District of Columbia, which means we can cover your clients everywhere. If you have any questions, please contact me directly at (630) 416-7954 or email I’d love nothing more than to speak with you personally!

Program Structure Options: 


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 policyholders in lowering their experience modifiers and ultimately their cost of insurance.  


Work First deductible programs offer the following advantages:

  • Significant cash flow advantage over a guaranteed cost policy  
  • Opportunity for your good claims performance to reduce the total cost of your workers’ compensation program  
  • No pooling the risk of other company injuries as in alternative risk (captive) programs  
  • No requirement to post a loss fund – deductibles are billed monthly 

Small deductibles range from $2,500 up to $10,000. These deductibles have no requirement to post collateral and are a great option for companies moving up from a guaranteed cost policy. Further, some state regulations allow for reporting losses net of the deductible paid which can help to meaningfully reduce your client’s experience modifier.  

Medium Deductible You are free to cater a policy to match your client’s needs by selecting among deductible amounts ranging from $5,000 to $75,000. Medium Deductible policies minimize collateral requirements when compared to large deductibles, and to further improve your clients’ cash flow we do not require a loss fund, and bill deductibles monthly. Regardless of the deductible level, policyholders will receive our world-class claims service and prompt underwriting attention. 

Large Deductible For your clients who have mastered risk management and value significant premium savings, Work First offers a large deductibles program with deductibles ranging from $100,000 to $500,000.  Regardless of the deductible chosen, your clients will receive the unbeatable claims service and prompt underwriting attention for which Work First is famous. 

Large deductibles require collateral to be posted to ensure the payment of deductibles.  Work First has flexible collateral options including letters of credit, cash collateral, and a ‘working cash’ collateral program. 

Primary Underwriting Requirements

We would love to work with you to place your well-run accounts!  Here are our basic underwriting guidelines:

  • Minimum Premium $100,000
  • Minimum of 3 years in business
  • No PEO or Leasing Exposures
  • Five year incurred loss ratio of less than 50 percent

Submission Checklist

To make a submission, we ask that you begin by completing the ACORD 130 and our Supplemental Application. The Supplemental Application will ask you to attach the following information:

  • Currently valued loss runs for the current and previous four years
  • Copy of the most recent annual and year-to-date financial statements (audited if available)