As an independent agency, Provident Financial Group can submit one application to several workers' compensation carriers and show you the results side by side. Which carriers quote depends on your state, class codes and loss history. Carrier names are used for identification only and do not imply endorsement.
Great American Insurance Group
Great American Insurance Group dates to 1872, originally chartered in New York City, and is now headquartered in Cincinnati, Ohio as a subsidiary of publicly traded American Financial Group. Its lead company carries an AM Best A+ (Superior) rating and writes workers' comp through specialty program units.
The Hanover Insurance Group
The Hanover Insurance Group traces to 1852 in Worcester, Massachusetts, and is a publicly traded regional and national carrier distributed exclusively through independent agents. Its property-casualty subsidiaries carry an AM Best Financial Strength Rating of A (Excellent), affirmed August 14, 2026, and it typically writes workers' comp as part of a broader commercial package.
Liberty Mutual
Liberty Mutual is a Boston-based mutual insurer founded in 1912 and ranked among the largest property-casualty insurers in the world. Liberty Mutual Insurance Company carries an AM Best Financial Strength Rating of A (Excellent), affirmed September 10, 2025, and it writes workers' compensation across a broad range of account sizes.
Markel
Markel is a specialty insurer founded in 1930 by Samuel A. Markel in Norfolk, Virginia, now headquartered in Richmond, Virginia. Its major insurance subsidiaries carry an AM Best Financial Strength Rating of A (Excellent), and its Markel Specialty division includes a small-business workers' compensation offering.
NEXT Insurance
NEXT Insurance is a small-business insurtech founded in 2016 in Palo Alto, California, now operating under the ERGO NEXT Insurance brand following its 2025 acquisition by ERGO Group, a Munich Re company. NEXT's underwriting entity carries an AM Best Financial Strength Rating of A+ (Superior).
Philadelphia Insurance Companies (PHLY)
Philadelphia Insurance Companies (PHLY) was founded in 1962 and has been a member of Tokio Marine Group since 2008. PHLY's insurance subsidiaries carry an AM Best Financial Strength Rating of A++ (Superior), affirmed October 23, 2025, and the company is known for niche-industry specialty programs.
Pie Insurance
Pie Insurance is a Washington, D.C.-based insurtech founded in 2017, built around pay-as-you-go workers' comp for small business. Pie carries an AM Best Financial Strength Rating of A- (Excellent), secured in 2023 when it completed its transition to a rated carrier underwriting its own paper.
The Hartford
The Hartford is one of the largest, longest-operating workers' compensation carriers in the U.S., publicly traded and AM Best A+ (Superior) rated. It's known for pay-as-you-go billing, in-house claims handling, and a broad appetite across common class codes for small and mid-size employers.
THREE by Berkshire Hathaway
THREE by Berkshire Hathaway is a small-business insurance brand launched in 2019 that bundles workers' compensation with general liability, property, and commercial auto in a single policy. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates.
Travelers
Travelers is a large, publicly traded national commercial insurer founded in 1864, carrying an AM Best A++ (Superior) rating. Its workers' comp program includes pay-as-you-go billing and dedicated risk-control services, and it is written for a wide range of small to large commercial accounts.
AmTrust Financial
AmTrust Financial Services is a privately held small-commercial specialist founded in 1998, rated A- (Excellent) by AM Best. It is one of the largest writers of small-business workers' comp in the U.S., known for online policy issuance and a pay-as-you-go payment program.
Berkshire Hathaway GUARD Insurance Companies
Berkshire Hathaway GUARD is a Wilkes-Barre, Pennsylvania-based workers' comp and commercial-lines group founded in 1983 and acquired by Berkshire Hathaway in 2012. Its member companies (AmGUARD, EastGUARD, NorGUARD, WestGUARD) hold an AM Best A+ (Superior) rating and are distributed through independent agents.
biBERK
biBERK is the direct-to-consumer online insurance brand of Berkshire Hathaway Direct Insurance Company, founded in 2015 and based in Omaha, Nebraska. Its underwriting entity is included in the A++ (Superior) AM Best rating held by National Indemnity Company and its affiliates.
Crum & Forster
Crum & Forster is a specialty commercial insurer founded in 1896, headquartered in Morristown, New Jersey, and owned by Fairfax Financial Holdings since 1998. AM Best upgraded its rating to A+ (Superior) in August 2025, and the company writes workers' comp through specialty program divisions.
EMPLOYERS
EMPLOYERS is a small-business workers' comp specialist that began in 1913 as a Nevada state fund and is now the publicly traded Employers Holdings, Inc. (NYSE: EIG), headquartered in Reno, Nevada. Its insurance subsidiaries carry an AM Best Financial Strength Rating of A (Excellent), and the company writes workers' comp exclusively.
Carriers quoted through our agency include
- The Hartford
- Travelers
- AmTrust
- GUARD
- EMPLOYERS
- Pie
- NEXT
- biBERK
- Markel
- Hanover
- Liberty Mutual
- Great American
- THREE
- Philadelphia Insurance
- Crum & Forster
Carrier names are used for identification only. We are an independent agency and are not affiliated with, endorsed by, or sponsored by any carrier named here. Carrier availability varies by state, class of business and underwriting appetite.
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