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-branded workers compensation underwriting or appetite guide specific to the legacy FirstComp program on Markel’s public sites. Public references indicate FirstComp operates today as part of Markel’s workers compensation offerings, but operational appetite, class preferences, restricted/declined classes, geographic footprint, and submission standards are not clearly published in a dedicated FirstComp guide accessible to brokers. Operational guidance (based on what can be verified and common Markel WC practices): - Treat FirstComp as a Markel workers compensation market; follow standard Markel WC underwriting, loss control, and submission expectations for small‑to‑mid market business. - Expect appetite to favor mainstream, small commercial risks with relatively stable operations and acceptable loss history; high‑hazard classes, distressed accounts, or risks with significant uninsured exposure or lapses are likely to be restricted or declined unless written in a dedicated high‑hazard program. - Geographic availability and any state‑specific restrictions are not published at the FirstComp level; confirm eligibility, state availability, and class appetite with your Markel/FirstComp underwriter or current program administrator before marketing or binding. - Standard submission package will typically include ACORD workers compensation apps, detailed class and payroll breakdowns by state, 3–5 years of currently valued loss runs (or equivalent claims history), experience mod information (where applicable), and narrative underwriting details for non‑standard or higher‑hazard operations. Portal submissions or MGAs administering the FirstComp program may have their own required data fields. - Because there is no clearly published FirstComp appetite guide, producers should rely on direct dialogue with their assigned underwriter or MGA, carrier portal prompts, and any state/program bulletins for current do‑not‑write classes (e.g., certain construction trades, heavy transportation, risks with USL&H, or risks needing large deductible or PEO solutions). Given the lack of a public, authoritative FirstComp appetite/underwriting document, all placement decisions should be confirmed with your active FirstComp/Markel contact or wholesaler; do not rely on third‑party marketing blurbs or aggregators as binding appetite authority.