Not every workers’ comp client fits neatly into the standard market box. High MOD scores, tough industries, distressed accounts — these aren’t outliers anymore; they’re becoming the norm. When your appointed carriers say no, or your client’s risk profile demands more creativity, a traditional path won’t get the job done.
Landmark Wholesale’s PEO and ASO programs are just the beginning. As a nationally licensed wholesaler, Landmark helps agents place the risks others won’t touch — with flexible workers’ comp solutions like captives, deductible options, and specialty programs tailored for hard-to-place accounts.
When Traditional Workers’ Comp Falls Short
Even your best clients can become tough to place. When loss histories climb or a business enters a risky industry, standard carriers may walk away. That’s when you need a partner who can go beyond the basics and unlock alternatives the direct market doesn’t offer.
Recognizing the Gaps in the Standard Market
Retail agents know the drill. A business comes to you needing comp coverage, but they’ve got a few red flags: poor claims history, high experience mod, high turnover, or they’re launching in a tough niche — think staffing, healthcare, or transportation. Standard carriers don’t bite, and you’re stuck without options.
That’s where wholesale expertise matters. Agents need access to more than just carrier appointments — they need market intelligence and creative structuring tailored to risk.
The Risks of Letting Tough Clients Walk
When you can’t find a solution, you don’t just lose a policy — you risk the client relationship altogether. Clients want answers, not roadblocks. Alternative workers’ comp solutions can help preserve your credibility, protect client retention, and open the door to a long-term account strategy.
Landmark’s Specialty Workers’ Comp Programs
When the standard market fails, Landmark steps in. Our team offers real-world placement strategies for distressed, high-mod, and niche business classes across the country.
Access to Hard-To-Find Markets and Tailored Programs
Landmark specializes in turning “no” into “how.” Our placement team works across dozens of niche and distressed industry programs, giving agents access to coverage they can’t find elsewhere. We routinely place workers’ comp for:
- Staffing and PEO groups
- Healthcare and home health
- Transportation and logistics
- Security and public entities
- Hospitality and agriculture
Flexible Deductible Options
Landmark offers deductible programs ranging from $1K per claim to over $500K in the aggregate. These structures help insureds control premium spend while gaining more control over their losses — ideal for employers with a risk-management mindset and some cash-flow flexibility.
Captive Solutions, Without the Complexity
For qualified clients, Landmark gives agents access to pre-structured group captives or helps build custom captive programs. These solutions are ideal for mid-sized companies seeking stability and long-term control of their comp spend, without the administrative burden of doing it all alone.
When PEOs and ASOs Still Make Sense
Not every client is ready for standalone coverage. For businesses needing human resources, payroll, or compliance help alongside workers’ comp, PEOs and ASOs provide a smart bundled option. Landmark helps agents navigate these paths without losing the client relationship.
Alternative Structures That Provide More Than Coverage
PEOs and ASOs can offer essential infrastructure for high-turnover, high-growth, or operationally stretched companies. Think HR support, compliance guidance, payroll services, and real-time reporting — all paired with comp coverage in one package.
These structures are especially valuable in industries where employee turnover is high, such as hospitality, retail, transportation, and health care. In fact, several of these sectors consistently rank among the highest for quit rates, making administrative consistency and compliance support all the more critical.
Landmark’s Advantage
Unlike generic aggregators, Landmark vets and matches clients to the right fit. Agents retain the relationship; Landmark provides the backend structure and support. Not sure whether a PEO or ASO is the better fit? We’ll help you evaluate and guide your client to the right path.
How Landmark Helps You Deliver Solutions, Not Excuses
With Landmark, agents don’t walk away from a tough comp case — they win it. We position you as the hero by giving you direct access to underwriters, strategic program insight, and real-world placement support. Our collaborative process means fewer delays, smarter outcomes, and stronger renewals.
Ready to place your toughest case? Landmark exists to solve problems, not to push cookie-cutter programs. If you’ve got a high-MOD, new venture, or hard-to-place client, we want to see it.
Send a submission or get appointed today, and access the alternative workers’ comp solutions your clients need — and your competition can’t offer.
About Landmark Wholesale
Landmark is a nationally licensed facility for tough-to-place risk with a focus on securing alternate workers’ comp solutions. From PEOs to specialty programs, we offer access to coverage solutions other wholesalers can’t. Our recent placements include complex risks in staffing, transportation, and construction sectors — demonstrating our ability to secure coverage where others fail. Partner with Landmark Wholesale to find solutions for your toughest accounts and expand your market reach.
