Workers' Compensation Insights for Insurance Professionals.
Practical guides, state-by-state references, and market commentary on complex, multi-state, and hard-to-place workers' compensation — from 20 years in the specialty.
AVP, Workers' Compensation
20+ YEARS IN WORKERS' COMP
I'm Justin K. Dorman, Assistant Vice President of Workers' Compensation, with 20 years in the specialty. My work centers on the accounts standard markets struggle with — high-hazard class codes, adverse loss history, high experience mods, and multi-state exposures — and on the carrier, underwriting, and submission practices that make those accounts workable.
This site is where I share what I've learned: state-by-state references, plain-English explainers, videos, and commentary on where the workers' comp market is heading. It's built for retail agents, producers, and anyone who wants to understand workers' comp as the specialty line it is.
Areas of Expertise
The corners of the workers' comp market I know best. Read the in-depth guides →
Monoline & Hard-to-Place Risks
Standard markets often decline workers' comp when it isn't packaged with property or liability. Standalone (monoline) workers' comp has its own carriers, appetites, and underwriting logic — especially for high-exposure risks, lapse-in-coverage accounts, new ventures, and operations with no prior coverage history.
- check_circle Distressed Risks
- check_circle New Ventures
- check_circle High-Hazard Classes
High-Mod & Distressed Accounts
A high experience mod doesn't have to mean a non-renewal. Underwriters who look past the raw number weigh risk characteristics, safety programs, and claims management — and knowing what they look for changes how an account should be presented. Read the high-mod guide →
- check_circle High Debit Mods
- check_circle Lapse in Coverage
- check_circle Adverse Loss History
High-Hazard Industries
Labor-intensive and traditionally restricted industries where workers' comp takes specialized knowledge:
- check_circle Construction & Contracting: Roofers, framers, heavy civil engineering, and artisans.
- check_circle Transportation & Logistics: Long-haul trucking, last-mile delivery, and fleet operations.
- check_circle Healthcare & Hospitality: Multi-location medical staffing, nursing homes, and hospitality groups.
- check_circle Specialty Exposures: Multi-state footprints, USL&H / Maritime risks, and High Deductible Plans.
- check_circle Staffing
- check_circle Security