Workers' compensation
Rated on payroll and class code, audited after the fact, and often the glue that holds the whole account together.
Class code and payroll are the rate
Misclassified payroll shows up as an audit bill twelve months later. We check the class against what the business actually does.
Pay-as-you-go removes the audit balloon
Reporting premium per payroll run trades a deposit and a year-end surprise for a number that tracks reality.
Texas is different
Texas employers may be non-subscribers. That is a different product with a different liability profile, and we will tell you which one you are buying.
The exclusions we read for in this line
| Exclusion | Severity | What it means |
|---|
The market archetypes we shop in this line
IronKey does not publish carrier names it is not appointed with. These are the program archetypes the exchange shops. When an appointment is executed, the carrier's name and rating appear here.
| Program | Type | A.M. Best | Bind | Note |
|---|---|---|---|---|
| Guaranteed-Cost WC Program A WC guaranteed cost |
admitted | A+ (Superior) | same day | Texas is a WC non-subscriber state; handled by a separate occupational-accident path. |
| Pay-As-You-Go WC Program B WC pay-as-you-go |
digital mga | A (Excellent) | instant |
Insurance offered through licensed agents. IronKey Care is an independent insurance agency, not an insurer. Availability and eligibility vary by state.