Workers' compensation appetite & industries

No, Kinetic Insurance does not have a maximum experience modifier. We specialize in hard-to-place accounts with challenging loss histories.

The minimum manual premium is $50,000 in most industries. For construction accounts, the minimum manual premium is $100,000.

Yes, qualifying accounts are eligible for performance-based dividends when they follow our safety action plan, which is tailored to each account's risks and may include:

 - Using safety technology like workplace wearable devices

 - Participating in a tech-managed return-to-work program

 - Engaging in claims review and loss control services

Kinetic does not write for new ventures or accounts with gaps in coverage. We will consider mid-term moves on an exception basis only. 

We also do not consider

 - Business with less than 3 years of prior workers comp coverage upon policy inception date

- 1099 Exposure greater than 40%

 - Risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod

 - USL&H

 - Jones Act

 - Maritime Employers Liability

 - Foreign Coverage

 - Retroactive policies

- Large risk alternative rating option (LRARO)

Submissions can be sent 120 days before the policy effective date. Email them to submissions@kineticcomp.com. Incomplete submissions won't be reserved.

To reserve an account, please submit:

- ACORD 130 
- Current and 3 prior policy periods of loss runs
- Kinetic Supplemental 
- Ex-mod worksheet (required for all parcel submissions, requested for other industries)

Incomplete submissions will not be reserved.

Note: The risk must have 3 years of business experience and workers’ comp coverage.