With access to Attune, you can access to EverPeak Workers' Comp products in select states. Built for the hardest-working agents, EverPeak delivers workers' comp quotes in minutes. Cover 345+ classes, even hard-to-place risks, with no loss runs needed upfront. No exceptions, just results. Watch the insider session recording below to see how you can leverage Attune and EverPeak for your clients.
EverPeak Workers' Comp Overview
Zorianna, an account manager from Attune, introduced the meeting about EverPeak Work Comp, which included Kathleen, an underwriter from EverPeak, to discuss Workers' Compensation basics and EverPeak's appetite. The agenda covered Work Comp 101, platform demo, post-bind review, ongoing campaigns, and a trivia session, with Kathleen available for specific Q&A.
Workers' Compensation Overview and Class Codes
Kathleen provided an overview of workers' compensation, explaining its purpose as an insurance program required for employers to carry in most states, which provides benefits to employees injured or ill on the job on a no-fault basis. She emphasized the importance of workers' comp for both employees and employers, highlighting its role in ensuring injured workers receive necessary care and financial support to return to work. Kathleen also discussed class codes, which are unique identifiers used to describe a business's primary operations for workers' comp purposes, established by rating bureaus to categorize businesses based on inherent hazards and ensure similar risks are charged similar rates.
EverPeak Workers' Comp Overview
Zorianna presented an overview of EverPeak, a workers' comp product for small businesses, highlighting the states where it is currently available and those where it will be soon. She explained that EverPeak offers straight-through processing for over 345 class codes, providing immediate yes or no responses for quotes without exceptions or industry-specific questions. Kathleen joined the meeting briefly but did not contribute significantly to the discussion.
EverPeak Workers' Comp Platform
The discussion focused on EverPeak's approach to workers' compensation insurance, emphasizing their exclusive availability on the Attune platform and their commitment to transparency and speed. The company outlined their broad appetite for eligible class codes, including risks that traditional carriers might exclude, such as restaurants with delivery, marijuana retail, firearm sales, and carpentry businesses. EverPeak's underwriting guidelines do not require knockout questions or hidden exclusions, making them a differentiator in the market.
Attune Portal Demo and Training
Zorianna demonstrated the Attune portal, showcasing its key features including the accounts tab for managing quotes and policies, the support tab for submitting service requests, and the appetite checker for verifying eligibility. She explained the quoting process, emphasizing the importance of a detailed description of operations for accurate class code selection, and highlighted the Kickstart campaign offering $25 gift cards for first-time binds and a chance to win a $100 gift card. During a trivia session, participants answered questions about EverPeak's service areas, processing classes, paper type, marketplace name, and post-bind review tips. The session concluded with an open Q&A, where Zorianna addressed questions about writing workers' comp policies for contractors with 100% subcontractor work.
Underwriting Policies and Eligibility Discussion
The meeting focused on discussing underwriting policies and eligibility for various business types. Zorianna explained that ghost policies can be considered if the pricing model generates adequate premium, though high hazard-rated risks won't be honored. She clarified that household goods movers are not within the company's appetite, and there is no qualifying process to write EverPeak. The discussion also covered specific scenarios, such as painting companies with sub-exposure and non-profit organizations, emphasizing that eligibility depends on the specific class code rather than the non-profit status itself. The conversation ended with Zorianna agreeing to provide her email address to attendees experiencing access issues.