# Workers' compensation appetite & industries Choose Kinetic for your hard-to-place accounts in construction, transportation, hospitality, warehousing, and more. ## Discover our appetite in safety-first industries We write tailored coverage for mid-size to large accounts in safety-first industries. Our injury management technology reduces claims and improves ex-mods so your clients get better outcomes, and you win and keep more business. Our newest appetite includes [**construction**](https://kineticcomp.com/construction-appetite-kinetic?hsLang=en) in select states. ## Kinetic's Workers' Compensation program - A (Excellent)-rated carriers like Nationwide - National distribution - Best-in-class injury management technology - $50,000 minimum premium ($100,000 for construction) - Guaranteed cost and deductible options - Performance-based dividend eligibility ## Explore our focus industries From parcel delivery to manufacturing, we focus on industries where injury management matters. Explore our specialized coverage for: ##### Construction Deliver unique injury management services, included for free in every policy, to construction and contracting companies. [Construction Appetite](https://kineticcomp.com/construction-appetite-kinetic?hsLang=en) ##### Hotels Protect employees in hotels, casinos, and restaurants with real-time injury prevention and faster RTW programs. [Hotel Appetite](https://kineticcomp.com/appetite-hotel?hsLang=en) .svg) ##### Janitorial Minimize claims for janitorial teams with workers’ comp tailored to professional and residential cleaning staff. [Janitorial Appetite](https://kineticcomp.com/appetite-janitorial?hsLang=en) .svg) ##### Manufacturing Improve loss ratios for manufacturing businesses with tailored workers’ comp coverage, covering food, plastics, automotive, and more. [Manufacturing appetite](https://kineticcomp.com/appetite-manufacturing?hsLang=en) .svg) ##### Parcel delivery Reduce claims costs for last-mile delivery companies with workers’ comp active claims management including tech-managed RTW. [Parcel Delivery Appetite](https://kineticcomp.com/appetite-parcel?hsLang=en) .svg) ##### Trucking & Waste Collection Control claims costs for transportation businesses—from local truckers to garbage collection crews—with predictive risk management and faster RTW protocols. [Trucking & Waste Collection Appetite](https://kineticcomp.com/appetite-transportation?hsLang=en) .svg) ##### Wholesale & Warehousing Deliver a better mod for wholesalers and warehouses with claims-focused coverage for groceries, clothing, and beyond. [Wholesale & Warehouse appetite](https://kineticcomp.com/appetite-wholesale-warehousing?hsLang=en) ## Where we are seeing success Kinetic partners are writing tough workers' compensation accounts across the country and seeing measurable results. ##### Hotel Class Code: 9050 State: CA ##### Bound Premium: $1,251,641 ##### Wholesale & Warehouse Class Code: 8291 State: GA .svg) ##### Bound Premium: $565,079 ##### Parcel Delivery Class Code: 7231 State: GA .svg) ##### Bound Premium: $269,580 ##### Waste Class Code: 9403 State: NJ .svg) ##### Bound Premium: $126,947 ##### Manufacturing Class Code: 2063 State: CA .svg) ##### Bound Premium: $465,155 ##### Manufacturing Class Code: 3574 State: GA ##### Bound Premium: $146,836 ##### Wholesale & Warehouse Class Code: 8018 State: CA .svg) ##### Bound Premium: $447,055 ## Ready to write workers' comp with Kinetic? [Submit an account](https://kineticcomp.com/submission?hsLang=en) ## Frequently asked questions from brokers No, Kinetic Insurance does not have a maximum experience modifier. We specialize in hard-to-place accounts with challenging loss histories. While Kinetic focuses on specific industries, we’re open to exploring new sectors where our [Injury Management Platform](https://kineticcomp.com/injury-reduction?hsLang=en) can add value. The minimum manual premium is $50,000 in most industries. For construction accounts, the minimum manual premium is $100,000. Yes, qualifying accounts are eligible for performance-based dividends when they follow our safety action plan, which is tailored to each account's risks and may include: - Using safety technology like [workplace wearable devices](https://kineticcomp.com/reflex-wearable?hsLang=en) - Participating in a [tech-managed return-to-work program](https://kineticcomp.com/rapid-return-to-work?hsLang=en) - [Engaging in claims review](https://kineticcomp.com/claims-navigator?hsLang=en) and loss control services Kinetic does not write for new ventures or accounts with gaps in coverage. We will consider mid-term moves on an exception basis only. We also do not consider - Business with less than 3 years of prior workers comp coverage upon policy inception date - 1099 Exposure greater than 40% - Risks coming out of a PEO, unless they have their own NCCI or state bureau ex-mod - USL&H - Jones Act - Maritime Employers Liability - Foreign Coverage - Retroactive policies - Large risk alternative rating option (LRARO) Yes, Kinetic offers Guaranteed Cost, and Small or Large Deductible policies, depending on the state. Submissions can be sent 120 days before the policy effective date. Email them to [submissions@kineticcomp.com](mailto:submissions@kineticcomp.com). Incomplete submissions won't be reserved. [To reserve an account](https://kineticcomp.com/submission?hsLang=en), please submit: - ACORD 130 - Current and 3 prior policy periods of loss runs - Kinetic Supplemental - Ex-mod worksheet(required for all parcel submissions, requested for other industries) Incomplete submissions will not be reserved. **Note:** The risk must have 3 years of business experience and workers’ comp coverage.