Start with the problem in front of you.
Choose the closest situation. Each guide shows what matters, what to gather if you have it, and how to start a useful conversation with FastechHR.
Hard-to-place workers' compensation
A difficult account is not automatically unquotable. A current submission that explains the operations, loss story, controls, and requested effective date gives a specialist a better place to start.
See the next step →start hereWorkers' comp help for a high experience mod
Any X-Mod may be considered. Around 1.30 begins to strengthen the adverse-history opportunity signal, 1.50 is stronger, and 1.50–2.50 is the preferred signal range. Credit mods and factors above 2.50—including 3.00, 3.50, and 5.00—remain reviewable because the number is never a stand-alone decision.
See the next step →deadline-sensitiveWorkers' comp nonrenewal help
Treat a nonrenewal as a deadline-driven remarketing event. Confirm the exact expiration date and reason, gather the latest underwriting information, and start specialist review before the current policy ends.
See the next step →deadline-sensitiveWorkers' comp cancellation help
A cancellation notice needs immediate fact-checking. Confirm whether it is pending or effective, why it was issued, and what date and time coverage may end before choosing a replacement-market path.
See the next step →deadline-sensitiveWorkers' comp coverage-gap help
A known or possible gap should be escalated immediately. Establish the last confirmed policy period, the current workforce and states, and the requested effective date without guessing about retroactive coverage.
See the next step →start hereAssigned-risk workers' comp options
The assigned-risk or residual market can provide an availability path where applicable, but it may not be the only place to look. A complete account may still be worth a specialist conversation before or alongside the state-specific process.
See the next step →start hereWorkers' comp for a new venture
A new venture normally has no earned X-Mod, so the submission must make the planned work, workforce, ownership experience, controls, and contracts concrete enough for a specialist to review. Use 1.00 only as a working or planning basis when a process requires one—not as proof of favorable experience or automatic eligibility.
See the next step →start hereHigh-hazard workers' comp review
Higher-hazard operations need precise exposure detail. Broad descriptions slow the conversation; task-level operations, payroll, locations, subcontracting, fleet, and safety controls help specialists understand the account.
See the next step →start herePEO workers' comp alternatives and review
An employer considering or leaving a PEO should first separate employment-services questions from the insurance placement. Document the current arrangement, transition date, payroll, operations, states, claims information, and desired future structure.
See the next step →deadline-sensitiveFast workers' comp review
Speed comes from clarity and completeness. A fast-review request should include the deadline, decision needed, complete contact information, and as much application, loss, mod, supplemental, and operational evidence as is available.
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