Broker Resources

Appetite guide

Check our appetite for fit before you submit.

View Appetite →

Submissions guidelines

Review submission guidelines to simplify the submissions process.

Read the Submission Guidelines →

FAQ

Find minimum premiums, ex-mods, BOR, and more.

Answers to FAQ →

Pay-as-you-go

Offer clients flexible pay-as-you-go billing options that match their cash flow.

Pay-as-you-go Details →

Dividend program

Ask your Kinetic distribution partner about our dividend program.

Nationwide portal

Provide your clients with access to policy information, loss runs, claims reporting, and more.

Responding to an injury

Review Nurse Triage contact details and how to report a claim.

Learn More About Nurse Triage →

Claims kit

Quickly access claims instructions, key contacts, and required forms.

Nationwide claims kit

Medical network provider map

Find nearby medical providers to support injured employees.

Nationwide Medical Provider Map

Construction

Workers' comp for construction and contracting clients backed by claims intelligence.

In appetite: Speciality trade contractors

Excluded: 100% residential
Excluded: No heights greater than two stories

$100,000 minimum premium, limited distribution, no dividend eligibility

View full Construction appetite

Hotels

Coverage for front desk, housekeeping, maintenance, and hotel restaurant teams.

In appetite: A/B Split rate

Excluded: Motels
Excluded: Bed & breakfasts

$50,000 minimum premium

View full Hotel appetite

Janitorial

Workers' comp built around cleaning-crew risk, with claims intelligence and expert support.

In appetite: Commercial
In appetite: Residential

Excluded: Exterior window cleaning or work above ground
Excluded: Biohazard clean-up
Excluded: Mold remediation

$50,000 minimum premium

View full Janitorial appetite

Manufacturing

Coverage for machine shops, plastics, sheet metal, clothing, and more.

In appetite: Food
In appetite: Clothing
In appetite: Printing
In appetite: Automobile

Excluded: Chemicals
Excluded: Explosives

$50,000 minimum premium

View full Manufacturing appetite

Parcel delivery

Last-mile delivery coverage backed by deep expertise.

In appetite: DSP
In appetite: Last Mile Delivery

Excluded: Wisconsin exposure
Excluded: Payroll growth >70%

$50,000 minimum premium

View full Parcel appetite

Trucking & Waste Collection

Coverage for trucking companies, local haulers, and waste collection fleets.

In appetite: Local hauling
In appetite: Garbage Collection

Excluded: Hazmat hauling
Excluded: Tanker trucks
Excluded: Wide-load

$50,000 minimum premium

View full Trucking appetite

Wholesale & Warehousing

Built on experience with Fortune 500 wholesale and warehousing accounts.

In appetite: Grocery
In appetite: Beverage
In appetite: Clothing
In appetite: RX

Excluded: Chemicals
Excluded: Explosives

$50,000 minimum premium

View Wholesale & Warehousing appetite

Rapid Return-to-Work

How tech-guided return-to-work reduces indemnity costs.

Learn About Rapid Return-to-Work →

Claims Navigator

Manage every claim like it's the only one with Claims Navigator.

Download the Claims Navigator brochure →

Broker Tools

Grow your agency and support your clients with expert insights and marketing tools.

Browse articles →

Brand guidelines

Logos and how to represent Kinetic.

Download Brand Guidelines →

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