Workers Compensation

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Energy and constructionSpecialty construction and transportHigh debit modSubmission requirements

Competitive, complete workers compensation coverage

With DUAL Workers Compensation, clients can access an array of workers compensation products across a variety of industries. Whether part of a broader package or a standalone policy, our products address unique risks such as oil and gas contractors, renewable energy risks, pipeline contractors, equipment rental, machine shops, and much more.

With options like our High Debit Mod program for California businesses facing adverse loss history and nationwide coverage through our Energy and Specialty Construction & Transport offerings, our expert team is here to help clients succeed in this critical market.

Energy and construction

Our underwriters are here to serve a broad range of construction class codes in the energy, industrial, utility, environmental, and construction sectors and more!

Key features

  • Broad appetite
  • "A+ XV" A.M. Best rated carrier, on an admitted basis
  • Available countrywide
    • WC/EL coverage available in 46 states
    • Stop gap EL available in 4 monopolistic states (North Dakota, Ohio, Washington, Wyoming)
  • Flexible bill plans
  • Coverage to suit your clients needs
  • Top-level claims handling
  • Available monoline or as a companion to DUAL Energy GL/CPL/PL, XS, Marine

Coverages available 

  • Standard NCCI WC/EL coverage form 
  • Blanket alternate employer 
  • Blanket waiver of subrogation 
  • Blanket 30 day NOC 
  • Voluntary compensation 
  • USL&H, OCS, and MEL available for certain risks 
  • WV deliberate intent 

 

Claims

  • Claims are handled by our carrier partner
  • In addition to expert claims adjusters, there is a dedicated account manager/claims liaison for all DUAL Workers Compensation insureds. Contact your underwriter for details!
  • Claims reviews available upon request 

Billing

Pay-Go direct bill (payroll reporting)
Billed through Reliable Premium Management (separate setup required at the link below)
https://reliablepremium.com/new-account-form/

  • No down payment/deposit required 
  • Premiums are billed based on actual payrolls as they are reported  
  • Payroll reporting and billing are both automated when fully set up 
  • Payment authorization form must be completed and sent to RPM 
  • Access to payroll records is required unless otherwise agreed in advance with RPM 
  • PDF Available upon request (DO NOT send this form to DUAL Workers Compensation – send directly to RPM) 

Installment direct bill
Billed direct with our carrier partner

  • Online payment portal  
  • Recurring payment set up available 
  • Options: 
    • 10 pay with 25% down
    • 12 pay with 8.37% down

Agency billing
Billed through our appointed agent/broker

  • Full annual pay, 100% down

Target classes

  • Oil/gas contractors and consultants
  • Refinery & petrochem contractors
  • Pipeline contractors, consultants, inspectors, operators
  • Renewable energy contractors
  • Solar (including residential rooftop)
  • Wind
  • Biofuels/waste to energy
  • Manufacturers & distributors of oil/gas or heavy industrial equipment
  • Power line construction
  • Telecommunications contractors
  • Gas/water/sewer mains
  • Cell tower construction and retrofits
  • Crane and rigging contractors
  • Specialty transportation (rig movers)
  • Civil and heavy industrial construction 
  • Concrete construction 
  • Concrete pumping
  • Equipment rental
  • Artisan/specialty trade contractors
  • Mechanical/HVAC contractors
  • Excavation and grading
  • Fire and water restoration contractors
  • Environmental remediation contractors
  • Environmental consultants
  • Sampling and testing

Learn more about DUAL Energy

Learn more

Specialty Construction & Transport

Offering coverage for crane and rigging, specialized transportation, concrete pumping and equipment dealers.

  • Available as a companion product, written with the same carrier as the GL, AL, XS products offered by DUAL Specialty Construction and Transport
  • Can consider on a monoline basis if a package option is not viable 
  • Countrywide territory
    • WC/EL coverage available in 46 states
    • Stop gap EL available in all 4 monopolistic states
Three different types of cranes

High debit mod

Workers’ compensation program for California, backed by A.M. Best “A VIII” capacity to help your clients navigate the difficulty of having a high X-mod.

Learn more

Submission requirements

Energy and construction

  • WC acord
  • WC supplemental
  • Current five year loss runs
  • Resumes for new ventures (less than 3 years in business)
  • Experience mod 

Document downloads

Applications

Claims information

Product resources

Contact the expert

Photo of Elliot Landes

Elliot Landes

Senior Vice President, Director of Workers Compensation

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