Monoline Workers’ Compensation (Non-Mining)

Rockwood specializes in underwriting small to midsize monoline workers’ compensation insurance policies.

Rockwood specializes in underwriting monoline workers’ compensation insurance policies. Rockwood’s preferred market segment comprises those accounts involved in oil and gas, manufacturing and retail operations. We will consider accounts under the following program structures:

  1. Fully insured: no account is too small
  2. Small deductibles
  3. Large deductibles (deductibles greater than $100,000)
  4. Retrospective rated programs
  5. Excess workers’ compensation (TPA services available)

Coverage Highlights

Coverage available


Coverage notes

Monoline workers’ comp for policies targeting policies with less than $15,000 in premium

Larger policies on an account-by-account basis

Coverages not included
  • United States longshoremen and harbor workers’ compensation coverage (exposure less than 10 percent may be considered on an individual basis)
  • Voluntary compensation coverage
  • Stop-gap coverage
Optional coverage available

Increased employers’ liability limits

Coverage Amounts

Minimum policy premium

Varies by state and classes

Appetite & Availability

Targeted classes
  • Restaurants
  • Service stations
  • Printers
  • Gasoline retailers
  • Personal care homes
  • Machine shops
  • School bus contractors
  • Grocery stores
  • Janitorial
  • Hotels/motels
  • Exterminators
  • Hardware stores
  • Country clubs
  • Oil and gas contractors
  • Retail stores
  • Pharmacies
  • Marinas
Excluded classes
  • Applications requesting coverage for only corporate officers or owners
  • Seasonal or part-time operations where the payroll is inadequate for the number of employees
  • Risks where the majority of the employees are family members
  • Risks with substantial travel exposure
  • Risks with out-of-state employees
  • Bars, taverns and nightclubs
Geographic availability

United States

Geographic availability notes

Delaware, Indiana, Maryland, North Carolina, Pennsylvania, Virginia

Additional Information


Partnering with agents/brokers


AVP, Underwriting

Barry Thomas

AVP, Underwriting