FirstComp
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Unable to locate a current, official FirstComp (or Markel/FirstComp) public underwriting or appetite guide. Available web references confirm that FirstComp Insurance Company remains an active workers’ compensation carrier, often positioned as a small‑business, "main street" workers’ comp market and sometimes mentioned as part of Markel programs, but they do not provide formal, carrier‑authored eligibility, class appetite, or submission rules. Because there is no verified carrier appetite/underwriting page: - Preferred business: Not explicitly published. Historically described in trade articles as small "main street" businesses written via independent agents, which typically implies lower‑to‑moderate hazard classes and standard NCCI type accounts, but this is inference only and **not** current official guidance. - Restricted/declined classes: No authoritative list is published. Expect standard workers’ comp market sensitivities (employee leasing/staffing, heavy construction, long‑haul trucking, industrial, very high MODs, and new ventures in high‑hazard classes), but you must confirm on a case‑by‑case basis with your underwriter or program broker. - Geography: Public regulatory/market‑share documents confirm FirstComp Insurance Company is licensed and writing workers’ compensation in multiple states, but no state‑by‑state appetite or territorial preferences are published. Treat state and class availability as controlled by current rate filings and internal underwriting rules; confirm with your wholesaler, program administrator, or Markel/FirstComp contact before marketing. - Submission requirements: No carrier‑authored producer/underwriting submission checklist is available. Use standard workers’ comp submission best practices: fully completed ACORD + workers’ comp supplemental, 3–5 years currently‑valued loss runs (or confirmation of no prior), detailed description of operations, employee counts/payroll by class and state, safety and return‑to‑work information for any accounts with meaningful losses or higher hazard operations. - Broker/producer notes: Several third‑party MGAs and wholesalers (e.g., U.S. Risk) reference Markel/FirstComp within broader workers’ comp programs and provide their own broker submission rules. Those rules are **program‑specific** and should not be treated as direct FirstComp corporate underwriting guidance. Follow the program wholesaler’s instructions (class and state lists, minimum/maximum premiums, MOD thresholds, and documentation requirements) when accessing FirstComp through those channels. Operationally: treat FirstComp as a standard voluntary workers’ comp market accessed primarily via independent agents/wholesalers, and rely on your specific program/MGA/wholesale partner for current, binding eligibility, class appetite, and state availability until or unless an official FirstComp/Markel appetite or underwriting guide is published.