For Agents & Brokers
Write the accounts you’ve been handing back.
High-mod, tough class codes, multi-state, prior cancellation — the files that die on the fourth application. One submission, screened against every contracted market’s written appetite, back to you as a co-branded offer on the winning market’s paper. You stay agent of record from the first document.
The program
Founding Agent Program
A launch-cohort partnership for the first agencies who bring us production. Tier lock-in, agency promotion, and preferred access to new markets as we appoint them — closed once the founding roster is filled.
Apply to the ProgramPublished comp
Producer compensation on workers' compensation placements is 10% of WC premium — set to match direct-market terms, and identical across every contracted market.
Life of client
Commissions recur for the life of the placement, contractually preserved across every market we appoint.
Co-branded
Proposals go out with your agency's identity on the carrier's paper — no wholesale interception.
Universal intake
One packet, one census, accepted by every market — pre-filled from the client's existing documents.
Beyond placement
Placement is the floor. Closing it is the job.
Most wholesalers hand you an indication and go quiet. The PEO conversation — service models, all-in cost, what changes at renewal — lands on you, in front of a client who has never bought one before. That’s where deals stall.
ERA works the deal with you through the close and through the renewal.
On the client call
On your invitation, we present the comparison alongside you as your wholesale desk. Your agency's relationship, our 37 years of having had this exact conversation.
The comparison, built
Service model, all-in cost, and what changes at renewal — in one document you can hand across the table instead of three quotes the client has to reconcile.
Objection support
The mod remediation narrative, the class-code defense, and a straight answer to “why not just go direct to the PEO.”
Renewal defense
We hold the file, watch the mod, and bring the re-market conversation to you before the incumbent brings it to your client.
Your client stays yours. We are the wholesale layer — never the retail relationship.
Contracted Panel
Contracted panel: 2 PEO · 1 ASO · 1 WC. Named markets disclosed at contracting.
The blind panel is a structural decision, not an omission. Every market on it operates on identical terms and receives every submission that qualifies under its written appetite, so routing is provably appetite-driven. Names are disclosed to producers once contracted and to a client when an offer is presented on that market’s paper.
Screened, not shopped
Written guidelines drive routing. No market pays for placement priority.
Disclosed at contracting
Appointed producers see the full panel and the terms behind it.
Expanding deliberately
Additional markets are appointed as volume and appetite fit warrant.
Commission Structure
Transparent, recurring, life of client.
Producer compensation on workers’ compensation placements is 10% of WC premium — set to match direct-market terms so there is no economic incentive to route a deal through one channel over another. Every contracted market pays on the same schedule, which is what makes appetite-driven routing provable rather than promised.
Terms snapshot at binding and recur for the life of the placement, contractually preserved across every market we appoint. The full schedule, including how PEO administrative fee arrangements are handled, comes with your wholesale agreement.
Wholesale only. The client stays yours — co-branded on the carrier's paper.