Submissions
Send this, and the file moves today.
No duplicate applications and no re-keying. Send the documents the client already has — intake extracts and normalizes them into one packet every market on the panel accepts. Same-day acknowledgment. Indication in 48 hours.
The checklist
Required, helpful, and nothing performative.
Completed application
RequiredYour agency's standard application or our structured intake — legal entity, FEIN, ownership, operations description, and locations.
Loss runs, 3–5 years
RequiredCurrently valued within 90 days, carrier-generated, showing paid and reserved separately. Partial years are fine; gaps need a one-line explanation.
Payroll by class code
RequiredCurrent and projected annual payroll broken out by class code and state. This is the single most common reason a file stalls.
Experience mod worksheet
RequiredThe current NCCI or state-bureau worksheet. If the account is not rated, say so — unrated is not a problem, an unexplained mod is.
Expiring dec page or declination letter
RequiredWhichever applies. For a PEO route-out, the carrier's declination is what starts the clock.
Safety and return-to-work narrative
HelpfulOne page. What changed after the claims that drove the mod. On a 2.00+ file this is often what makes the difference.
Census with benefits detail
HelpfulNeeded only when a PEO or ASO placement is in play alongside the comp.
Open claim detail
HelpfulAdjuster notes or reserve rationale on any lost-time claim still open.
We do not host fillable ACORD forms. Our structured intake captures the same fields and returns a field-mapped prefill you can drop into your AMS, plus a branded ERA packet for the market.
What happens next
You will always know where the file is.
Same day
Acknowledged and screened
A human confirms receipt, the packet is normalized, and the risk is screened against every contracted market's written guidelines. If something is missing, you hear about it in that message — not three days later.
24 hours
Routed in parallel
Every market that qualifies under its written appetite receives the same complete packet at the same time. Four markets at once, not four applications in sequence.
48 hours
Indication back to you
The best indication comes back on the winning market's paper, co-branded with your agency and ready to present. If nothing clears, you get a written reason from each market — not silence.
Three ways to send it
Use whichever is closest to your desk.
Portal
Upload the file to the agent portal. One system of record, full status visibility, nothing to re-key.
Open the portal →Send the packet to desk@employerriskadvisory.com. Intake extracts and normalizes it from the documents you already have.
Phone
Call 602-370-5846 and walk the desk through it. We'll open the file and tell you what's missing while you're still on the line.
Guide
The ERA submission packet
The checklist, our payroll-by-class-code worksheet format, and completion notes for the fields that most often stall a file.
- › Submission checklist, print-ready
- › Payroll by class code worksheet format
- › Completion notes for mod worksheets and lapse explanations
- › What a route-out packet needs that a fresh placement doesn't