PRODUCT: Workers Compensation Severity Specialists

COMPANIES: Sutton National Insurance provides coverage for accounts underwritten and serviced by Adroit General Agency using technology designed by Origami Risk.

BEST RATING: A-

AVAILABILITY: Appointed agents and brokers only.

FOCUS: Adroit General Agency, a managing general agency (MGA) providing workers compensation insurance and related services for employers vulnerable to high-severity losses, has been approved to distribute its workers comp program in 11 states, with three additional states expected to be available in the third quarter of 2022.

Adroit's breakthrough solution for larger mid-market employers with high-severity workers compensation exposures combines individual account underwriting with value-added loss control and claims services.

“By deploying cutting-edge technology through our collaboration with Origami Risk, we're able to drive safety management, leverage analytics, and streamline reporting and claims administration," said Marguerite Dixen, founder and CEO of Adroit.

“These are critical elements of a solution set designed to meet the unique needs of businesses with a history of high-severity exposures, including those in construction, energy, recycling, alternative energy, agriculture and transportation," she added.

COVERAGE DETAILS: Adroit writes statutory workers comp on a guaranteed cost basis with a minimum premium of $150,000 and a focus on accounts up to $5 million. Blanket waivers and longshore and harbor workers coverage is available.

UNDERWRITING: Adroit uses five years of loss runs and standard applications. Loss control is handled telephonically and focused on safety culture and controls. 

TARGET: Accounts in construction, transportation, agriculture, energy, alternative energy, heavy manufacturing and recycling.

COVERAGE AVAILABILITY: FL, GA, IA, IL, IN, KS, KY, MO, NC, NE, PA, SC, TN and VA.

CONTACT: Marguerite Dixen, president and CEO, Adroit General Agency; 222 N LaSalle, Suite 2100, Chicago, IL 60601; 312-833-0426.

Will Jones is IA editor-in-chief.