Underwriting Info

Program and Underwriting Overview

The NetComp Insurance Corp Workers' Compensation Program is currently available in the following states:

  • Arkansas
  • Florida
  • Georgia
  • Indiana
  • Iowa
  • Kansas
  • Maryland
  • Missouri
  • North Carolina
  • South Carolina
  • Tennessee
  • Virginia

We plan to expand to additional states in the near future. See our map on the home page.

The objective of our program is to provide mono-line workers' compensation insurance for small to mid-sized, low severity insureds. Restricting the program to these exposures allows us to provide very competitive rates. Through the use of web-based technology, our appointed sub-producers will quote, bind and issue the majority of policies for a specifically defined group of risks-right from their own computer!

We offer over 300 classes of light hazard business such as office, retail, restaurant, light manufacturing and farming with minimum policy premiums as low as $500. Because we do not write hazardous classes like large construction contractors, we can offer affordable premiums.

New business ventures with prior management experience are welcome!

Some of our target exposures include:

  • Child daycare centers
  • Light manufacturing & assembly
  • Hotels/Motels
  • Restaurants/Fast food
  • Retail stores
  • Gasoline Stations / Convenience Stores (not 24 hours)
  • Wholesale stores
  • Professional Offices
  • Automobile Service / Repair
  • Residential artesian contractors such as plumbers, HVAC, interior trim, flat concrete (No commercial work)
  • Neighborhood Bars, Lounges, or Taverns with limited entertainment (no nightclubs with bouncers, cover charges or gentlemen’s clubs)

Exposures that we do not write include:

  • Accounts with greater than 10% driving exposure
  • Businesses that utilize leased employees
  • Businesses with Employees (not subcontractors) that receive 1099’s versus W-2’s
  • PEO's
  • Employee Leasing Operations
  • Temporary Employment Agencies
  • 24-hour Operations
  • Large Commercial Contractors / General Contractors / Remodelers
  • Trucking/Transportation
  • Logging/Sawmills
  • Professional Sports Teams
  • Handymen

Our business is direct billed, offering several competitive payment plans with very affordable down payments.

Try our FAST Quick Quote today and let us provide great workers' compensation coverage to your 'main street' clients!