You’re one of the safest companies on the Veriforce network

That means you could be saving up to 28% in work comp premiums! In partnership with Veriforce we’ve pre-underwritten you for fairly priced, transparent workers’ comp.
Let your agent know you’re interested in switching and we’ll do the rest.

Are you an insurance agent?

Like you, we only work with the safest of the safe
Your Veriforce-network clients are outperforming their peers, qualifying them for transparent, fairly priced work comp.
Join the revolution in occupational insurance.

Congratulations on getting appointed!

We are thrilled to have you as part of the team. Which of your client’s lives will you change today? Submit for your first quote by following these simple steps. As always, we’re on the journey with you and available to chat.
We aim to get you a quote within 24 hours. Here’s what we’ll need:
Copy of the most recent Accord Application
Five-year history of loss runs
Complete experience MOD worksheet
OSHA 300 and OSHA 300A logs

Are you an insurance agent?

Like you, we only work with the safest of the safe
Your Veriforce-network clients are outperforming their peers, qualifying them for transparent, fairly priced work comp.
Join the revolution in occupational insurance.

Choose fact over fiction

Our proprietary risk measurement tool challenges workers' comp misconceptions

SafeTier, our exclusive new underwriting model, was built to strengthen agent-client relationships by tipping the scales in favor of safe companies.

We’ve partnered with Veriforce to pre-underwrite their safest suppliers, offering them fairly priced, transparent premiums. This is only the first step of our plan to transform occupational insurance by rewarding companies that prioritize safety.
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Getting appointed is quick and easy

We won’t waste your time. Our aim is to have you ready to submit business within a day of completing these simple steps.

Step 1

Review and sign the Agency Agreement

After reviewing the agreement, countersign the agreement with Docusign

Step 2

Upload these three documents

  • Current Agency W9 form
  • Most recent E&O declaration
  • Most recent Agency Licensure
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Need assistance? Schedule time to speak to our representatives
Switch your safe Veriforce-network clients and start life-changing conversations about the future of their business and people
SafeTier, our exclusive new underwriting model, was built to strengthen agent-client relationships by tipping the scales in favor
of safe companies.

Join us as we revolutionize occupational insurance, creating new opportunities for you
to write industrial class business.

Get appointed and you’ll become
irreplaceable to your clients.
CEO and founder, Joe McIlhon, on the future of workers’ comp.
Become irreplaceable to your clients with data-backed, transparent workers’ comp.
No more guesstimates. Only predictable, transparent facts.
Start life-changing conversations with prospects.
Confidently write work comp across industrial business classes

Have you already submitted your appointment?

In most cases, you can be appointed and start submitting business the same day

COMPLETED
acord APPLICATION

For each new account, we will need a copy of the most recent Acord application

CURRENT LOSS RUNS

We will also need the company’s current 5-year history of  loss runs

Experience mod
worksheet

To help evaluate your client’s risk profile, we will need a complete experience mod worksheet

OSHa 300 & OSHA 300A
LOG

Reach out to your HR or Safety teams for access to recent logs

Upload
What's the difference between Insurate’s workers' comp coverage and traditional workers' comp?
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We bring the same coverage as traditional workers’ comp, just different pricing.
Is Insurate guaranteed issue workers' comp?
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No, we provide coverage only to safe companies.
How is my STI score calculated and can it change?
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Our Safe-Tier is a blend of OSHA history & statistics and claims history. We also use a predictive score based on location and incident likelihood.
How is Insurate’s process different from traditional workers' comp?
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We look at each customer holistically and give fair pricing based on how that customer conducts their business, not what business they do.
What carriers does Insurate work with and what are their ratings?
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We work with a host of national carriers such as Key Risk, AmTrust, and others.
Is Insurate an insurance company?
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We’re a different type of wholesaler that works directly with our underwriters to develop quotes that are exclusive to Insurate.
Can I buy directly through Insurate or do I need to work with my agent?
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We value the consultative nature of agents and sell directly through them.
I'm an agent and want to offer Insurate to my clients, what do I need to do?
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You simply need to get appointed. For more details click here.
Why is my Insurate premium so much lower than my existing workers' comp premium?
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Our STI score is based on transparent data about how safe your business operates. This score helps inform your fairly priced premium.
What states is Insurate available in?
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Alabama
Arizona
Arkansas
Colorado
Connecticut
Delaware
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
Oklahoma
Pennsylvania
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
West Virginia
What Industries does Insurate focus on? What if my or my client’s Industry isn’t one of those?
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The only qualifications are that you have more than 20 employees. However, customers that are in industrialized areas will see greater savings because our data is centered on those types of businesses.
How does Insurate verify its savings claim?
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We’ve analyzed nearly 13.1 million companies and have several case studies that can be seen here.
What size does my company need to be to use Insurate?
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You just need 20 or more employees and have operated for at least 3 years. 
Is Insurate a public or privately owned company?
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We’re a privately held company.
How long has Insurate been around?
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We were established in 2019 with our founders having over 20 years of insurance experience.
What Industries does Insurate focus on? What if my or my client’s Industry isn’t one of those?
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The only qualifications are that you have more than 20 employees. However, customers that are in industrialized areas will see greater savings because our data is centered on those types of businesses.