Workers’ Comp Insurance for High-Risk Industries

Securing workers’ compensation insurance can be a challenge — especially if your business is classified as high-risk or has had claims in the past. At NPN Brokers, we work directly with businesses across a wide range of industries that often struggle to get coverage through traditional insurance carriers. Whether you’ve been denied coverage, faced steep premiums, or are tired of lengthy audits and rigid contracts, we’re here to help.

We specialize in workers’ comp insurance solutions that are fast, flexible, and built around your business. Our team can get you a quote in minutes and, in many cases, coverage in as little as 24 hours. There are no long-term contracts, no upfront deposits, and no audits to worry about. Instead, we offer a Pay-As-You-Go model that makes managing your workers’ compensation simple and cost-effective.

If your business operates in a high-risk industry — like construction, trucking, staffing, or manufacturing — or if you’ve dealt with prior workers’ comp claims, we have access to carriers that are willing to work with you when others won’t. Our job is to find the coverage you need, without the stress.

We’re proud to work with companies of all sizes, from new startups to established businesses with large payrolls and multi-state operations. If you’re not sure where to turn for coverage, we invite you to give us a call. We’re confident we can find a solution that fits your needs.

Give us a call at (561) 990-3022 or fill out our online quote request form to get started today.

Industries We Serve

NPN Brokers works with a wide range of industries that often face challenges when it comes to securing workers’ comp coverage. Below is a sample of some the industries we commonly work with:

Staffing Agencies:

• Staffing
• Temp Staffing – Heavy Manufacturing
• Temp Staffing – Light Manufacturing
• Temp Staffing – Nursing
• Temp Staffing – Medical
• Temp Staffing – Warehousing
• Temp Staffing – Hospitality
• Temp Staffing – Other

Construction, Trades & Skilled Labor:

• General Contractor
• Construction
• Facilities/Property Maintenance
• Roofing
• Electrician
• HVAC
• Installation / Maintenance
• Landscaping / Tree Trimming

Manufacturing & Industrial:

• Manufacturing / Operations
• Aerospace / Aviation
• Automotive
• Science / Research

Transportation & Logistics:

• Transportation / Logistics – Short Haul
• Transportation / Logistics – Long Haul

Healthcare & Medical:

• Healthcare
• Home Healthcare
• Nursing
• Pharmaceutical / Biotech

Cannabis Industry:

• Cannabis – Production
• Cannabis – Retail

Professional & Administrative Services:

• Clerical / Administrative
• Education / Training
• Professional Services
• Sales
• Engineering
• Technology
• Telecommunications

Government, Law Enforcement & Security:

• Government / Military
• Law Enforcement / Security

Energy & Environmental Services:

• Energy / Utilities
• Green Energy

Retail, Food & Hospitality:

• Restaurant / Food Service
• Hospitality / Travel
• Retail

Whether you’re looking to get a policy in place quickly or want to avoid the hassle of traditional insurance requirements, NPN Brokers can help. To speak with someone right away or to receive a fast workers’ comp quote, give us a call at (561) 990-3022 or request a quote online.

Why Work with NPN Brokers?

Finding the right workers’ compensation insurance isn’t always straightforward — especially for businesses that fall outside the mold of what traditional insurance carriers consider “low risk.” Many of the companies we work with have been denied coverage, issued stop-work orders, or forced to pay inflated premiums due to their industry classification or claims history. At NPN Brokers, we’re built to solve those exact problems.

We help businesses cut through the noise, avoid unnecessary hurdles, and secure the coverage they need quickly and affordably. Whether you’re a small business owner or managing a large payroll across multiple states, we’re here to offer reliable workers’ comp solutions with none of the usual roadblocks.

We Specialize in High-Risk and Hard-to-Insure Businesses

If your business operates in a field with a higher risk of workplace injuries — like roofing, construction, transportation, manufacturing, or staffing — you’ve probably already experienced how difficult it can be to get insured. Most carriers won’t take on what they view as “high-risk” clients, especially if your company is under three years old or has had prior workers’ compensation claims. That’s where NPN Brokers makes a difference.

We work directly with insurance providers that understand these industries and are willing to write policies that others won’t. Our relationships with alternative carriers mean we can help you secure workers’ comp coverage even if you’ve been turned away before. You won’t be penalized for your industry, your past, or your business history — we’ll find you a path forward.

No Contracts. No Deposits. No Audits.

One of the biggest frustrations businesses face with traditional workers’ comp insurance is the fine print. You’re often required to sign long-term contracts, make hefty premium deposits upfront, and deal with time-consuming year-end audits that can interrupt operations and drain your resources. At NPN Brokers, we believe that kind of rigidity doesn’t serve growing businesses.

Instead, we offer flexible policies that follow a Pay-As-You-Go model. You only pay for what you use, based on real-time payroll data. There’s no need for large lump-sum payments or binding agreements. And with no audits to worry about, you can focus on running your business instead of tracking down paperwork.

Fast Quotes and Same-Day Coverage

We understand how urgent securing coverage can be. Whether you’re in the middle of onboarding new employees, facing a deadline with a client, or have been issued a stop-work order by the state, time is often critical. That’s why we’ve streamlined our process to deliver quick, reliable results.

With just a few pieces of information about your business, we can typically provide a workers’ comp quote in minutes. In most cases, coverage can be activated within 24 hours — sometimes even the same day. Our goal is to eliminate unnecessary waiting and help you meet compliance requirements without delay.

Affordable Workers’ Comp Coverage

One of the biggest myths in the industry is that high-risk businesses always have to pay top dollar for coverage. The reality is, pricing can vary dramatically depending on the carrier — and unless you know where to look, it’s easy to overpay. Most business owners don’t have the time or resources to shop around the way we do.

At NPN Brokers, we act on your behalf to compare available policies and negotiate the most competitive rates we can find. We’re not tied to just one carrier, which means we’re focused on getting you the best deal — not upselling a particular plan. Our team understands the pricing structures and underwriting guidelines of the carriers we work with, allowing us to match your business with the right solution at the right price.

Real Help When You Need It

What sets us apart isn’t just speed or pricing — it’s that we actually take the time to understand your business. We know that every company faces different challenges, and we’re here to offer real support, not just automated quotes. Whether you’ve had a policy canceled, received a non-renewal notice, or are navigating complex compliance issues, we’ll guide you through the next steps.

You’ll always have someone you can reach out to, ask questions, and get answers from — no endless call centers or confusing web portals. Our team is here to simplify the process and provide the kind of one-on-one service you won’t get from a traditional insurance carrier. When you work with NPN Brokers, you get a partner that’s invested in your success.

Give us a call at (561) 990-3022 to learn more about our workers’ compensation insurance coverage.