The referral relationship that helps you close “hard-to-write” workers’ comp—and keeps your clients longer
If you’re an agency producer, you’ve probably had this exact conversation more times than you can count:
“We’ve had claims… can you still help?”
“Our mod is ugly.”
“The carrier non-renewed us.”
“Payroll’s a mess and HR is drowning.”
“We’re growing fast… and it’s getting chaotic.”
You shop it, you negotiate, you work your markets, but sometimes the case just won’t go: class codes are tough, loss history spooks the underwriters, or the account is expanding faster than their internal processes can handle. That’s where a PEO broker can become one of the most valuable referral partners in your tool belt.
Not as a replacement for your agency.
As an alternative lane that helps you save accounts, solve problems, and keep relationships intact, while creating new revenue opportunities.
The reality: some workers’ comp accounts are “hard to write” for a reason
Traditional workers’ comp is underwriting math and appetite. When the story doesn’t fit the box- claims, volatility, multi-state complexity, staffing challenges, limited HR infrastructure the quote comes back painful… if it comes back at all.
A PEO (Professional Employer Organization) can be the solution for these exact accounts because it packages workers’ comp inside a broader employment platform: payroll, HR support, safety resources, compliance, and benefits accessibility under a co-employment arrangement.
In plain English: it’s a different vehicle for risk and administration. And for the right business, it can be the difference between “no options” and a realistic path forward.
What partnering with a PEO broker does for you as a producer
A good referral partnership isn’t about “throwing a lead over the fence.” It’s about turning dead ends into wins.
Have a case you need help with?
Email Sales@BACbenefits.com or call 321-441-9056 to discuss your case.