The underwriting and placement of Worker's Compensation policies are areas where we expend a lot of effort. Due to the significant expense of Worker's Compensation, we believe that a well-managed program is essential. Our agency prefers to place Worker's Compensation coverage in a standard guaranteed cost market through "A" rated carriers. Removing insured clients from the Worker's Compensation Assigned Risk Pool is a priority!

We also have the expertise to check on your experience mods to be sure they are calculated correctly by NCCI (National Council on Compensation Insurance). In addition, PC&L Agency shops our clients' accounts regularly with our ever-expanding insurance carrier base to ensure that we are providing them with the best prices for the coverage they need.

PC&L Agency has a dedicated division for workers compensation insurance offering experience mod reviews, claims analysis, and second injury reporting. We aim to educate the client about how worker's compensation is rated . We find the more educated our clients are about premium calculation, Experience MOD figures, audit procedures and the workers compensation policy's intended purpose and benefit, the more positive the insured's experience tends to be. We want to take the time to speak with you and find out more about your business to ensure we're providing proper coverage. Also to answer your questions and help you understand the process.

It does not matter what you do or where you do it, PC&L Agency Inc. can provide you with coverage. From the single-man contractor to the multi-million dollar chemical manufacturer, our experienced staff can tailor the coverage you need to insure your business.