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Insured Solutions, Inc.
Who We Are
Insured Solutions is a national MGA with over $300 million dollars in revenue
specializing Alternative Markets that utilizes local independent agents to provide
their clients one resource for:
Hard to place Workers’ Compensation Coverage
Alternative Markets
Optional Payroll Administration
Risk Management Services
We offer workers' compensation insurance, risk management, and payroll
administration. Our system is delivered to our clients through traditional
insurance , PAYGO, Payroll, PEO, Staffing, and ASO solutions.
Sales and Support Offices in Georgia, California, North Carolina, Florida,
Tennessee
Where We Fit in
Insured Solutions
Inc.
MGA/MGU
IS PEO
(Internal)
IS RiskPro
Risk Mgt & Underwriting
Services
IS PAYGO-Traditional
Work. Comp
PEO Exchange
(Brokerage)
Vanessa Duliere
Appulate
New Submission Management For Insurance Agencies
Augora Hills, CA
818-717-7301 WWW.APPULATE.C
OM
SALES@APPULATE
.COM
Insured Solutions PortalPowered by Appulate
What is Appulate?
• Technology company that provides solutions for the insurance industry.
• We are proud to announce Insured Solutions, as one of our partners! We have created a
portal that will increase efficiency in your submission process to Insured Solutions.
Highlights:
Quick and efficient- no need to rekey ACORD data
Upload ACORD data from your management system- works with any agency
management system
If you don’t have a management system, you can start directly in the portal
Stores your information for next year’s renewals
How it works:
• Uplink your ACORD directly from your management system or log in to the portal and
answer questions, then submit.
How to get started:
• Your insured solutions rep will send you more information in the coming weeks.
• Appulate will host a training webinar, in the next couple of months, for IS agents.
Scott Paciorka
Insured Solutions, Inc.
Irvine, CA
LUA & Sunz Simplifying Process
1. Provide Premium Target
2. Get price indication-Review with IS Rep
3. Review with client and IS Rep
4. Schedule risk evaluation by phone or in person
5. Get final approval and then signed service
agreement
6. IS CSR handles all enrollments
Brad Isaacs
Risk Transfer Programs
Orlando, FL
IS Paygo
IS Paygo is our exclusive internal program
that delivers workers’ compensation
insurance, risk management, and EPLI on
a pay-as-you-go basis. (no payroll
services required)
A Paygo- Amtrust Targets (48 States)
MOD’s < 1.50, approved or referral codes
Incurred Loss ratios (3 yrs) less than 65% with a good
story & good recent trend
Min Premiums $10k
No height, depth, wheels as primary biz, temps,
janitorial, home health, no cutting
Clients must accept Aggressive loss prevention
IS Paygo- Aviation Program (Amtrust & Companion)
The IS Aviation program use A rated carriers to
offer your aviation clients a pay-as-you-go
program:
• Fixed Based Operators
• Flight Schools
• Airline Service Companies
• Charter Operations
• Airport Authorities & more
IS Paygo- Market Update
• Tower Update
• ProSight Specialty Insurance Co-ASO
& PEO Programs
• RTW-A Rated Small Business Program
Step 2: Client Enters Class Codes and Payroll
Step 5: Clients receives invoice automatically via email
Scott Paciorka
Insured Solutions, Inc.
Irvine, CA
IS PEO- Exclusive Internal PEO Program
IS PEO is our exclusive internal program that
combines payroll services, workers’
compensation insurance, risk management, and
EPLI on a pay-as-you-go basis.
Nationwide A-Rated carrier options are available
and target a wide range of clients such as:
• Manufacturing
• Light Industrial
• Hospitality
• Construction trades
• And More
LUA PEO – LUA Program Target (48 States)
MOD’s <3.00
Incurred Loss ratios (3 yrs) less than 150% with a
good story & good recent trend
Min Premiums $10k
No height, depth, wheels as primary biz, temps,
janitorial, home health, no cutting
Up to a 20% Safety Incentive
Deductibles need collateral deposits from clients
Clients must accept Aggressive loss prevention
LUA PEO – Sunz Program Target (16 states)
MOD’s < 3.00
Incurred Loss ratios (3 yrs) less than 150% with a
good story & good recent trend
Min Premiums $10k
No height, depth, wheels as primary biz, temps,
janitorial, home health, no cutting
Up to a 20% Safety Incentive
Deductibles need collateral deposits from clients
Clients must accept Aggressive loss prevention
A PEO- Amtrust Targets (48 States)
MOD’s < 1.35, approved or referral codes
Incurred Loss ratios (3 yrs) less than 65% with a good
story & good recent trend
Min Premiums $10k
No height, depth, wheels as primary biz, temps,
janitorial, home health, no cutting, no heavy machinery
Clients must accept Aggressive loss prevention
IS PEO Exchange
Insured Solutions has is an exclusive MGA
contract with the nation’s premier PEO’s to
assist agents with their submissions,
placement, and client enrollments.
Avitus Group, Inc.
Josh Balster
Brea, CA
Zurich, 48 States
Founded in 1996 with offices in NY, CA, MT, FL, CO, KS, and more
Avitus Service Model
High touch service model
In person service and enrollment
EPLI
HR
Risk Mgt
Employee Benefit Administration
Mínimum Requirements
$25k Premium,
Min Annual Payroll of $100,000
$50K Premium for Transportation
Deductible options are available
Targeted Risks
< 2.00 MOD
NYC- Contractors are ok
Construction
Moving & Storage
Local Trucking
Heights up to 15 feet
Janitorial
Property Management
Shane Bridwell
National PEO #1
Tampa, FL
National PEO #1 founded in 1986, is headquartered in the Tampa Bay area..
Lion Insurance Company, rated A- (Excellent) by A.M. Best.
&
State National Insurance Co
A-Rated
Targeted Risks
Construction (no roofing in CA)
Temporary Staffing
Manufacturing
Plumbing, HVAC, Electrical
Transportation
And More!
Mínimum Requirements
US: $26k Premium
$50K Premium for Transportation (CA: $100K)
Average employee wage of $25K
No X-Mod restrictions
What allows this PEO to take on higher risk clients
Deductibles & Collateral
Minimum Average employee wage of $25K
Minimum Workers’ Comp. Premium fees
Aggressive loss prevention
National PEO #2
St. Petersburg, FL
This PEO utilizes AIG Insurance Company, rated A (Excellent) by A.M. Best.
Mínimum Requirements
$25k Premium
Incurred 3 r Loss ratios < 50%
X-Mods up to 1.50
Targeted Risks
Home Health & Assisted Living
Manufacturing
Pizza Delivery
Hospitality & adult entertainment
Plumbing, HVAC, Electrical
No Heights
USLH best of class
No long haul (limo co best in class)
Bus Co, Charter Co (best in class)
Janitorial, cutting ok !
Targeted Risks
1.50 MODs or less, < $350K premium- internal pen
No side of road exposure
No Sewer, but excavation ok
Waste mgt-best in class
Will term quickly non-report, losses w/o cooperation
40% incurred loss ratio or need a good story
48 hr turn around, indications ok
