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Thank you for your interest in Talage; however, we are currently unable to offer insurance policies in Your State. We are working to become licensed in additional states, so please check back the next time you are looking for Worker's Compensation Insurance. We appologize for any inconvienence and look forward to offering you services in the future.

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Are you engaged in any other type of business?
What other business are you engaged in?
Do you make products under any label other than your own?
Do any of your employees work from home?
Do you operate out of your home?
Do you act as a franchisor?
Have you filed any insurance claims for this business in the past five years?
Do you use subcontractors?
As a percentage, how much work do you subcontract out?
%
Do any of your subcontractors not have certificates of insurance?
Do you have seasonal employees?
Do you have a written safety program?
Do you have motor vehicles driven by your employees for business?
Are five or more vehicles are used in the business (including both company or employee personal vehicles)?
Do you review motor vehicle records upon hire and annually for employees who drive?
Are all drivers are between the ages of 25 and 65 yrs. old?
Do you provide group transportation, where five or more employees are in a vehicle at one time?
Do you have volunteers who donate labor?
How many volunteers need to be covered by your worker's compensation policy?
What are the responsibilities of your volunteers and the hours they work?
Do you provide any non-monetary reimbursement to your volunteers?
Do you have any employees over the age of 60?
Do any of your employees have physical handicaps?
Do your employees travel more than 200 miles away for work?
What is the maximum distance they travel?
Miles
What percentage of time is spent traveling more than 200 miles?
%
Is any of this travel out of state?
Do your employees spend more than 15% of their time out of state?
Have you had any prior coverage declined/cancelled/non-renewed in the last three (3) years?
What's the story on that?
Do you have any undisputed and unpaid Worker's Compensation premiums due?
Do you offer a health plan for your employees?
Do you require employees to undergo physical examinations?
Do you lease employees to or from other employers?
We'll need some details on this set-up.
Do you own/operate/lease any watercraft or aircraft? (the company, not you personally)
What is it and what are you using it for?
Do you employ the spouse or relatives of any of the owners of your business?
Do your employees regularly travel by light aircraft, passenger plane, or helicopter?
Do you have any contracts with the state, home rule, or other political subdivision of the state?
Have you implemented a safety and health program?
Do you agree to report claims to the carrier within 24 hours of notification?
Do you have a return to work program in place that shows your willingness to accommodate recuperating employees with light duty?
Do you have a safety program in place that includes a written safety policy, an active safety committee, and injury review board?

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Do any of these apply to your operation?
  • Do you now, or have you ever handled hazardous material for the business?
  • Do you perform any work underground or above 15 feet?
  • Do you perform any work on barges, vessels, docks, or bridges over water?
  • Have you had a tax lien or bankruptcy within the last five (5) years?
  • Do you sponsor any athletic teams for your employees?
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Insurers Who Declined Coverage

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