In addition to offering a number of workers' compensation alternative risk programs, Artex also provides guaranteed cost programs that maintain the same standards for carrier rating, risk selection and underwriting as our other programs. In addition, we offer unbundled loss control and claims advocacy to assist insureds in achieving long-term rate stability. These programs are ideal for small and mid-sized clients.

Superior workers' compensation risks in difficult classifications

Our heterogeneous guaranteed cost program accommodates good risks in difficult classifications, as well as accounts with higher experience mods and improving loss trends. A discernible management commitment to loss control and workplace safety is highly preferred. Artex Light is constructed with best-in-class unbundled service and claims components — claims analytics and advocacy, tailored loss control and the industry's leading third-party claims administrator — to deliver improved risk performance and profitability return to insureds.

  • Established: 2009
  • Territory: National
  • Lines of business: Workers' compensation, auto liability, general liability
  • Target premium: $150,000 to $1,000,000
  • Targeted classes of business: contractors, food service, healthcare, hospitality, manufacturing, property management, transportation, wholesale/retail distribution

Workers' compensation for temporary staffing firms

Our guaranteed cost solution, designed specifically for temporary staffing firms and their unique needs, has a broad underwriting appetite for risks within clerical, light industrial and healthcare classifications. The security of an "A" rated carrier, a monthly premium payment with a pay-as-you-go option and 24/7 on-line certificate issuance place StaffGuard as the clear leader in providing workers' compensation coverage for temporary staffing firms.

  • Established: 2010
  • Territory: National
  • Lines of Business: Workers' compensation
  • Target Premium: from $100,000
  • Pay-as-you-go premium payment option

Workers' compensation for a wide variety of non-profit operations

Our nonprofit, workers' compensation guaranteed-cost program was launched in conjunction with a global, A+ rated carrier.

  • Established: 2010
  • Territory: National. The states of Delaware, Massachusetts, New York, Oregon and Rhode Island may be considered on a limited basis
  • Lines of business: Workers' compensation
  • Targeted classes of business include but are not limited to: civil rights, social action, and advocacy; consumer protection; day care; education; employment; general and rehabilitative health; mental health and crisis intervention; philanthropy, volunteerism and grant making foundations; research, planning, science, technology and technical assistance; and organizations such as Boy Scouts, Girl Scouts, YMCA, YWCA, JCC

Warehouse legal liability, cargo legal liability, property, and other companion coverages for the warehousing sector

Our guaranteed cost program accommodates good risks in warehousing and logistics, as well as accounts with higher experience mods and improving loss trends. Dedicated warehouse expertise is available to assist brokers and warehouse operators in reviewing warehouse receipts, customer contracts and building leases to identify coverage gaps and structure the most appropriate coverage.

  • Eligible classes of business: Public warehouses, contract warehouses, distribution centers, dry storage third-party logistics, cold storage third-party logistics
  • Excluded classes of business: Moving and storage companies, self-storage, wholesalers
  • Coverages offered: Warehouse legal liability, cargo legal liability, property, equipment breakdown, crime, general liability, workers compensation, auto liability and physical damage, trucking liability and physical damage, umbrella liability
  • Specialized warehouse legal liability coverage extensions: Mysterious disappearance/inventory shortage, processing (value-added services), cross docking and trans loading, loaded or dropped trailers, contractual liability coverage, overflow (fourth-party logistics coverage), contamination, infestation, refrigeration/change in temperature, voluntary parting, newly acquired locations, first-party/direct damage coverage for warehouse customer goods

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