Statutory Workers' Comp
Statutory
Medical and indemnity benefits required by each state you operate in, written on admitted paper accepted by owners, GCs, and clients.
Core Coverage
Workers' compensation, priced on your real exposure.
Payroll, class codes, and your experience modifier decide what you pay — not the market. Fortwell audits all three, then places your comp with carriers that understand your trade.
Workers' comp coverage
Statutory benefits, employers' liability, and the structures that lower cost.
Employers' Liability
$1M / $1M / $1M
Protection for suits that fall outside the comp system — third-party over actions, consequential bodily injury, and loss of consortium claims.
USL&H / Jones Act
Endorsed
Federal exposures for marine, dock, and waterfront work that a standard state policy excludes outright.
Loss-Sensitive Programs
Deductible / retro
Large deductible and retrospective plans for accounts with credible payroll and controlled loss experience.
Pay-As-You-Go Billing
Per payroll cycle
Premium reported with actual payroll so cash flow matches the work and audits stop producing surprise balances.
Return-to-Work Support
Included
Light-duty programs and nurse triage that shorten claim duration — the single biggest driver of your experience modifier.
Limits and terms are tailored to each operation, contract, and state. We confirm coverage requirements before binding so certificates are accepted on day one.
Why employers work with us
Most comp savings come from data, not shopping.
01
Experience mod audited before renewal
We pull your worksheet, verify payroll and reserves, and challenge open claim reserves that are inflating your mod and every future quote.
02
Class codes fixed, not inherited
Misclassified payroll is the most common overcharge we find. We reclassify correctly and pursue premium recovery on prior audits.
03
Audit and claim advocacy
We sit in on the year-end audit and stay on adjusters through the life of a claim so reserves close accurately and on time.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more