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
Verified current public guidance is on Markel’s small business workers compensation page; no separate public FirstComp-specific appetite or underwriting guide was found on the official site. Current positioning is broad small-business admitted workers compensation written through Markel/FirstComp for start-ups to established businesses. Markel specifically lists appetite examples including automotive, bakery, barber/beauty, brewery, child care, contractors, country clubs/golf clubs, florists, grocery, health/fitness clubs, hotels, janitorial, lawn care, manufacturing, offices, professional services, restaurants, and retail shops. Practical underwriting signals emphasize payroll accuracy, state-specific employee eligibility rules, premium audits, and admitted workers comp access via Markel’s broker mPortal. Geographic note: FirstComp Insurance Company is listed by Markel as admitted in 29 states: AR, AK, CO, CT, GA, HI, ID, IN, IA, KS, MA, MN, MS, MO, NE, NV, NH, NM, NY, NC, OK, OR, PA, RI, SC, SD, TN, VA, and WV; Markel also notes coverage may not be available or approved in all states, so confirm product/company availability by state. Restricted/declined classes are not expressly published on the public workers comp page; only general coverage limitations are stated, such as injuries outside work duties/commute, intentional injuries, intoxication/substance-abuse-related injuries, and voluntary recreational activities not being covered. Submission guidance: insureds can submit an online application or work through an appointed Markel agent; brokers/agents access admitted workers compensation through mPortal. Producer notes: Markel appointments are aimed at independent and wholesale agencies that can meet a projected premium minimum, have a profitable book, and demonstrate expertise in target markets. Appointment requests require agency details, premium history, companies represented, requested products, current premium and expected annual new business volume, and a marketing approach; producer licenses must be valid in each state of solicitation, and Markel states an agency specialist typically responds within 1 to 2 business days.