Questions brokers and safety leaders ask CompScience

CompScience writes workers' comp in all non-monopolistic states. Ohio, North Dakota, Washington, and Wyoming are monopolistic states, so your client buys workers' comp there from the state fund. CompScience offers stop-gap coverage for those four only as part of a policy that covers your client in other states. Send the ACORD 130 and loss runs to submissions@compscience.com for an appetite response.

Yes. CompScience writes workers' comp for construction in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, struck-by and ergonomics, and what the prevention program changes going forward. We don't write roofing, work with significant height exposure, or trenching operations. Significant height exposure means roof work. Multi-story work inside a building doesn't count. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes construction, except roofing, work with significant height exposure, or trenching operations. Significant height exposure means roof work. Multi-story work inside a building doesn't count. To check a specific class code, send it to submissions@compscience.com.

CompScience writes construction in all non-monopolistic states. Class codes in appetite include 8227 (Construction or erection permanent yard), 8232 (Building material dealer, new materials, yard and drivers), 8204 (Building material yards, used), 8106 (Concrete reinforcing rod or bar dealer and drivers), 3030 (Iron or steel works, shop, structural), 3041 (Facade fabrication, metal), 3365 (Welding or cutting NOC and drivers), 4036 (Plasterboard or plaster block mfg and drivers). We don't write roofing, work with significant height exposure, or trenching operations. Significant height exposure means roof work. Multi-story work inside a building doesn't count. The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For construction, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for manufacturing in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, ergonomic and machine-guarding controls, caught-in controls and what the prevention program changes going forward. We review chemical, pharmaceutical, paint, soap, fertilizer, acid, and industrial gas manufacturing case by case. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes manufacturing, except foundries. To check a specific class code, send it to submissions@compscience.com.

CompScience writes manufacturing in all non-monopolistic states. Class codes in appetite include 3612 (Engine mfg NOC), 3620 (Boilermaking), 3629 (Additive manufacturing NOC), 3635 (Gear mfg or grinding), 3638 (Ball or roller bearing mfg), 3642 / 3647 (Battery mfg, dry and storage), 3179 (Electrical apparatus mfg NOC), 3220 (Can mfg), 3307 (Heat treating, metal), 4239 (Paper mfg), 4244 (Corrugated or fiberboard container mfg), 3507 (Agricultural or construction machinery mfg). We review chemical, pharmaceutical, paint, soap, fertilizer, acid, and industrial gas manufacturing case by case. We don't write foundries. The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For manufacturing, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for restaurants in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, slip-trip-fall and burn controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes restaurants. To check a specific class code, send it to submissions@compscience.com.

CompScience writes restaurants in all non-monopolistic states. Class codes in appetite include 9082 (Restaurant NOC), 9083 (Restaurant, fast food). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For restaurants, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for auto service / dealers in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, slip-trip-fall controls, lifting and struck-by controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes auto service / dealers. To check a specific class code, send it to submissions@compscience.com.

CompScience writes auto service / dealers in all non-monopolistic states. Class codes in appetite include 8380 (Auto dealers), 8391 (Auto repair), 8393 (Automobile body repair), 9505 (Automobile, bus, truck or trailer body painting), 3632 (Automotive machine shop), 3821 (Automobile recycling and drivers). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For auto service / dealers, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for wholesale & warehousing in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, forklift-pedestrian separation, struck by, material handling and ergonomic controls. Warehouses that deliver their clients' goods are in appetite. We don't treat them as for-hire carriers. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes wholesale & warehousing. Warehouses that deliver their clients' goods are in appetite. We don't treat them as for-hire carriers. To check a specific class code, send it to submissions@compscience.com.

CompScience writes wholesale & warehousing in all non-monopolistic states. Class codes in appetite include 8292 (Storage warehouse NOC), 8291 (Storage warehouse, cold), 8047 (Store, drug, wholesale), 8034 (Store, grocery, wholesale (AZ, MA, MO, NJ, OK only)), 8021 (Poultry dealers, wholesale), 7390 (Ale or beer dealer, wholesale), 8018 / 8044 (Appliance store, wholesale), 2174 (Tobacco rehandling or warehousing). Warehouses that deliver their clients' goods are in appetite. We don't treat them as for-hire carriers. The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For wholesale & warehousing, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for retail in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, lifting and slip-trip-fall controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes retail. To check a specific class code, send it to submissions@compscience.com.

CompScience writes retail in all non-monopolistic states. Class codes in appetite include 8033 (Store, meat, grocery and provision, supermarket type), 8039 (Store, department, retail), 8006 (Coffee, tea or grocery dealer, retail), 8045 (Store, drug, retail), 8050 (Store, five and ten cent), 8061 (Store, grocery convenience, retail (FL, GA, MO, TN only)), 8072 (Bookstore, retail), 8058 (Building material dealer, store employees), 8235 (Cabinet dealer, kitchen). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For retail, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for food processing in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, slip-trip-fall and machine-guarding controls, cuts and burns, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes food processing. To check a specific class code, send it to submissions@compscience.com.

CompScience writes food processing in all non-monopolistic states. Class codes in appetite include 2003 (Bakery), 2111 (Canneries), 2095 (Dehydrating meats), 2105 (Fruit packing), 8209 (Vegetable packing), 2070 (Butter or cheese mfg or dealer), 2065 (Condensed milk), 2041 (Candy), 2121 (Brewery), 2156 / 2157 (Wine and ale bottling), 4703 (Corn products), 2016 (Breakfast food). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For food processing, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for metal fabrication in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, machine guarding, caught-in and struck-by controls, cuts and burns, and what the prevention program changes going forward. We don't write foundries. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes metal fabrication, except foundries. To check a specific class code, send it to submissions@compscience.com.

CompScience writes metal fabrication in all non-monopolistic states. Class codes in appetite include 3030 (Iron or steel works, shop, structural), 1925 (Die casting), 3110 / 3113 / 3114 (Tool mfg, forged and machined), 3111 (Blacksmith), 3132 (Bolt or nut mfg), 3145 (Automatic screw machine products), 3146 (Hardware mfg NOC), 3241 (Wire drawing, iron or steel), 3257 (Chain mfg, formed or welded), 3365 (Welding or cutting NOC and drivers), 3372 (Electroplating), 3307 (Heat treating, metal). We don't write foundries. The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For metal fabrication, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for plastics in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, machine guarding and burn controls, chemical and respiratory controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes plastics. To check a specific class code, send it to submissions@compscience.com.

CompScience writes plastics in all non-monopolistic states. Class codes in appetite include 4452 (Plastics mfg, fabricated products NOC), 4459 (Plastics mfg, sheets, rods or tubes), 4273 (Plastic or paper bag mfg), 4751 (Synthetic rubber), 4470 (Cable mfg, insulated electrical), 4420 (Rubber tire mfg). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For plastics, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for cold storage in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, material handling controls, slip-trip-fall controls, and cold-environment exposures, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes cold storage. To check a specific class code, send it to submissions@compscience.com.

CompScience writes cold storage in all non-monopolistic states. Class codes in appetite include 8291 (Storage warehouse, cold), 8031 (Cold storage locker, frozen foods). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For cold storage, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for lumber & building products in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, struck-by and machine-guarding controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes lumber & building products. To check a specific class code, send it to submissions@compscience.com.

CompScience writes lumber & building products in all non-monopolistic states. Class codes in appetite include 2714 (Veneer), 2731 (Baseboard, wood), 2759 (Box or box shook, wooden), 2960 (Pole, post or tie yard), 2915 / 2916 (Barrel, wood veneer), 4206 / 4207 (Pulp mfg, ground wood and chemical), 4283 (Building or roofing paper or felt preparation), 8204 (Building material yards, used), 8232 (Building material dealer, new materials). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For lumber & building products, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for private fleets and moving and storage companies in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, material handling and dock controls, road exposure (average mileage and auto loss history), and what the prevention program changes going forward. We don't write for-hire freight trucking, last-mile delivery, or over-the-threshold work, where crews carry items into a customer's home. We do write companies whose drivers haul their own products, and the driving and storage side of furniture moving. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes private fleets and moving and storage companies, except for-hire freight trucking, last-mile delivery, or over-the-threshold work, where crews carry items into a customer's home. We do write companies whose drivers haul their own products, and the driving and storage side of furniture moving. To check a specific class code, send it to submissions@compscience.com.

CompScience writes private fleets and moving and storage companies in all non-monopolistic states. Class codes in appetite include 7380 (Drivers and helpers NOC, commercial, own products only, no last-mile or over-the-threshold work), 8293 (Furniture moving and storage, drivers, point-to-point driving and storage only). We don't write for-hire freight trucking, last-mile delivery, or over-the-threshold work, where crews carry items into a customer's home. We do write companies whose drivers haul their own products, and the driving and storage side of furniture moving. The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For private fleets and moving and storage companies, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for recycling & scrap metal in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, struck-by and caught-in controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes recycling & scrap metal. To check a specific class code, send it to submissions@compscience.com.

CompScience writes recycling & scrap metal in all non-monopolistic states. Class codes in appetite include 8265 (Iron or steel, scrap dealer and drivers), 8263 (Junk dealer), 8264 (Bottle dealer, used, and drivers), 3821 (Automobile recycling and drivers). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For recycling & scrap metal, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for grocery stores in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, lifting and slip-trip-fall controls, and what the prevention program changes going forward. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes grocery stores. To check a specific class code, send it to submissions@compscience.com.

CompScience writes grocery stores in all non-monopolistic states. Class codes in appetite include 8033 (Store, meat, grocery and provision, supermarket type), 8006 (Coffee, tea or grocery dealer, retail), 8061 (Store, grocery convenience, retail (FL, GA, MO, TN only)), 8034 (Store, grocery, wholesale (AZ, MA, MO, NJ, OK only)). The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For grocery stores, CompScience writes accounts at $25,000 minimum and no maximum.

Yes. CompScience writes workers' comp for healthcare in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, ergonomics, lifting and slip-trip-fall controls, assault and battery controls, and what the prevention program changes going forward. We don't write hospital systems with 200 or more beds. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.

CompScience writes healthcare, except hospital systems with 200 or more beds. To check a specific class code, send it to submissions@compscience.com.

CompScience writes healthcare in all non-monopolistic states. Class codes in appetite include 8833 (Hospital: Professional Employees), 9040 (Hospital: All Other Employees), 8832 (Physician's and Dentist's Office), 8835 (Home Health Services), 8829 (Nursing Homes), 8824 (Nursing Homes: Residential Care). We don't write hospital systems with 200 or more beds. The appetite guide covers roughly 300 eligible class codes nationwide, so if your code isn't named here, send it to submissions@compscience.com for an appetite response.

For healthcare, CompScience writes accounts at $25,000 minimum and no maximum.

Probably. If your class code isn't one named in these answers, send it anyway. CompScience writes in all non-monopolistic states for employers of any size, with a $25,000 minimum premium. We underwrite on frequency history, the causal categories behind the losses, and what the prevention program changes going forward. We don't write temporary staffing, subsurface mining, aviation exposures, or professional sports. Send the ACORD 130 and loss runs. Video is not required. For accounts with an experience mod, include the bureau worksheet. Everything goes to submissions@compscience.com. You get an appetite response the moment you submit, and if it's a fit, a Client Insight Brief and policy proposal within 3 business days.