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Insurance Solutions Built for Businesses That Are Ready to Grow

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Business insurance for high risk industries. Customized General Liability, Professional Liability, and Workers Compensation programs. We develop insurance solutions for that reflect your unique business needs.
For 20 years WCSS has been a reliable insurance partner to hundreds of companies in high risk industries.

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High Risk? High Mod? You’re Still Covered.

If your Work Comp Mod is over 1.5 or you’re in a high-risk class code, you’ve probably been turned away before. We’re not that kind of partner. WCSS is built to serve businesses other providers avoid — and we do it with confidence.

Business insurance for high risk industries. Customized General Liability, Professional Liability, and Workers Compensation programs. We develop insurance solutions for that reflect your unique business needs. For 20 years WCSS has been a reliable insurance partner to hundreds of companies in high risk industries.

Request a Quote from WCSS

"*" indicates required fields

This field is for validation purposes and should be left unchanged.
Name*

High Risk? High Mod? You’re Still Covered.

If your Work Comp Mod is over 1.5 or you’re in a high-risk class code, you’ve probably been turned away before. We’re not that kind of partner. WCSS is built to serve businesses other providers avoid — and we do it with confidence.

Some of the insurance carriers we work with

Some of the insurance carriers we work with

Client Spotlight

How Businesses Reclaimed Their Focus and Scaled with Confidence

Industry: Commercial Contracting
Employees: 50+
Work Comp Mod: 2.0

“WCCS’s solution took the headache out of paperwork”

Our Construction company was growing fast — but so were the challenges. Managing compliance, juggling payroll, navigating changing labor laws, and keeping workers’ comp in check felt like a full-time job.

We partnered with WCCS to offload risk, simplify processes, and get the support of a full HR infrastructure — without building one from scratch.
-Robert S

Industry: HVAC Installation & Service
Employees: 55
Work Comp Mod: 2.3

“We’re great at keeping buildings running — but our back office needed serious help. WCCS delivered.”

Our crews were booked solid, but behind the scenes, things were falling through the cracks. We were juggling payroll, workers’ comp claims, onboarding, and compliance — and it was pulling our focus away from jobs and customers.

WCCS stepped in and brought order to the chaos. They took over payroll and HR, helped us stay ahead of labor law changes, and brought real strategy to how we manage our Mod and claims.
-Brandon T

 

Industry: Commercial Landscaping
Employees: 50+
Work Comp Mod: 2.1

“We were spending too much time on paperwork. WCCS helped us get back to growing the business.”

As our landscaping company expanded, so did the headaches — payroll for multiple crews, seasonal hiring, safety training, and a constant stream of workers’ comp paperwork. We didn’t have an HR department, and it was starting to show.

WCCS gave us exactly what we needed: a full PEO solution that took the back-office pressure off our shoulders. They helped us stay compliant, manage workers’ comp more effectively, and streamline payroll across job sites.
-Danny H

Industry: Electrical Contracting
Employees: 45
Work Comp Mod: 2.2

“Between safety training, payroll, and compliance, we were running on overload. WCCS helped us reset and run smarter.”

Our electrical business had grown steadily over the years, but once we hit 40+ employees, managing everything in-house became overwhelming. OSHA compliance, workers’ comp claims, and labor laws were evolving — and we couldn’t afford a misstep.
-Lisa O

Why Businesses Choose WCSS Insurance Solutions?

Why WCSS.

While other Agencies avoid high work comp mods and high-risk industries, we lean in. At WCSS, we’re known for helping businesses with:

✅ Work comp mods over 1.5.
✅ High-risk classification codes.
✅ Renewal of lapsed or canceled policies.
✅ Claims history causing high your premiums.
20+ years of risk management expertise.
Assistance with staffing and recruiting through our WCSS national network of staffing partners.

Industries We Help

We specialize in helping high-risk, work comp codes companies secure insurance solutions—even if you’ve been denied coverage elsewhere.

🛠 Construction
🌿 Landscaping
⚡ Electrical
❄️ HVAC
🧹 Janitorial
🚚 Transportation and Logistics
🥗 Food Service

How It Works (3-Step Process)

Step 1: Free Risk Assessment, Consultation and Quote

We start with a conversation. You tell us about your business, your workforce, and your current insurance challenges.

What We Do:

  • Review your current / previous policy with our underwriters.
  • Review your claims history.
  • Evaluate your work comp class codes.
  • Discuss challenges you have had with your current/ previous Agent.
  • Understand your business, industry, goals and all insurances you need for your business.

    What You Get:

    • A free assessment and honest feedback.

    • Transparent answers about what low cost insurance programs you qualify for.

    • Fast-tracked matching with a the right insurance program  that fits your risk profile.

      📞 “Most clients are surprised how fast we respond — often the same day.”

      Step 2: Develop Custom Insurance Program

      What We Do:

      • Develop customized insurance programs for your business.
      • Present your business requirements to trusted, high-risk-friendly carriers.
      • Assist in negotiating coverage, terms, and pricing.
      • Free Fast-tracked quoting with the right insurance program that fits your risk profile and insurance requirements.

      What You Get:

      • Insurance program that fits your business and budget.

      • Help getting reinsured if you’ve been denied before.

      • A simple, legally compliant setup — without downtime.

      ⚙️ “We’ve helped clients get back in business after being canceled by their carrier.”

      Step 3: Fast policy implementation and Support

      Once you’re matched with your best business insurance program, we help transition efficiently.
      So your coverage is up and running without delays.

      What We Do:

      • Guide you through onboarding paperwork.

      • Ensure your employees are properly classified for your workers compensation policy.

        🎯 “We don’t disappear after onboarding — we stay with you.”

        Get Started Today

        Whether you’re a 100K company or 25 million company, we’re ready to help you d protect what you’ve built.

        Copyright © 2022 | All Rights Reserved | WCCS

        Copyright © 2025 | All Rights Reserved | WCCS