Can you write monopolistic states?

No. North Dakota, Ohio, Washington and Wyoming require state-fund coverage. We can still place employers liability and other lines.

Do you write high experience mods?

Yes. Send loss runs with a short narrative on safety and remediation — that context frequently changes the outcome.

Is pay-as-you-go available?

Several markets on the panel support payroll-integrated pay-as-you-go billing. Ask your underwriter which carriers apply to your class.

Does INVO write workers comp for roofers and other construction classes?

Yes. Construction, manufacturing, healthcare and hospitality payrolls are in appetite, including tougher class codes. Roofing needs the roofing supplemental with the residential versus commercial split and pitch and height detail, and prior loss history is reviewed closely. Contractors should split payroll by class code and state and document subcontractor use. Send the ACORD application, payroll by class code and loss runs to workcomp@invounderwriting.com.

How do I submit a multi-state workers comp account to INVO?

Split payroll by class code and by state, include experience mod worksheets when the account is rated, and tell us if pay-as-you-go billing is needed so we route to the right program. Multi-state programs run through a single point of contact. North Dakota, Ohio, Washington and Wyoming are state-fund only, and staffing or PEO payroll goes to the Temp Staffing division instead.

Commercial Division

Workers’ Comp

Guaranteed cost and program work comp

Workers’ Comp Underwriter

Josh Willis

865-425-7330 josh.willis@invounderwriting.com

Workers’ Comp Underwriter

Jackson Holt

865-617-7760 jackson.holt@invounderwriting.com

Agents must be appointed with INVO to receive commission on submitted or bound accounts.

Two manufacturing employees in hard hats and safety glasses operating machinery

What we write on payroll

Appetite at a glance

Guaranteed cost monoline work comp across most class codes
Pay-as-you-go and payroll-integrated billing
Multi-state programs with a single point of contact
Accounts with prior losses or an elevated experience mod
Construction, manufacturing, healthcare and hospitality payrolls

Products

What we write in this division

Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.

Featured · Catch-All

General Workers' Compensation

Standard and E&S comp across most industries and class codes.

Workers' Compensation

Eligibility highlights

Guaranteed cost and pay-as-you-go
Multi-state and program accounts
Prior-loss and assigned-risk accounts considered

Send with the submission

Appropriate ACORD Application
Loss runs up to 5 years, if possible, or no-loss letter
Experience mod worksheet when available
Payroll by class code

Response time: 1 business day

Start submission

Construction

Construction & Contractors

Trade contractors, general contractors and subcontracted operations.

Workers' Compensation

Eligibility highlights

Artisan and general contractors
Payroll split by class code required
Subcontractor use documented

Send with the submission

Appropriate ACORD Application
Contractor supplemental
Payroll by class code and state
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Construction

Roofing

Residential and commercial roofing, including tear-off and steep pitch.

Workers' Compensation

Eligibility highlights

Residential and light commercial roofing
Height and hot-work details required
Prior loss history reviewed closely

Send with the submission

Appropriate ACORD Application
Roofing supplemental
Percentage of residential vs. commercial and pitch/height detail
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Services

Tree Service & Tree Pruning

Trimming, removal, stump grinding and storm work.

Workers' Compensation

Eligibility highlights

Trimming, pruning and removal operations
Height of work and equipment list required

Send with the submission

Appropriate ACORD Application
Tree service supplemental
Maximum working height and equipment list
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Human Services

Home Healthcare

Non-medical and skilled in-home care providers.

Workers' Compensation

Send with the submission

Appropriate ACORD Application
Home healthcare supplemental
Payroll split by caregiver and clerical
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

Transportation

Trucking & Delivery

Comp for drivers, delivery operations and last-mile contractors.

Workers' Compensation

Send with the submission

Appropriate ACORD Application
Radius of operation and commodities hauled
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission

Staffing

Staffing & Employee Leasing

Temporary staffing and leased-employee payroll — routed to Temp Staffing.

Workers' Compensation

Send with the submission

Appropriate ACORD Application
Temp staffing supplemental
Payroll by state and class code
Loss runs up to 5 years, if possible, or no-loss letter

Response time: 1 business day

Start submission Supplemental form

The market in your state

Construction in Tennessee, by the numbers

Public U.S. Census Bureau counts for NAICS 23, the industry this division writes most. Use them to size the opportunity before you prospect, then search INVO's appetite for the class.

Establishments: 11,435
Employees: 125,817
Annual payroll: $7.9 billion
Counties with activity: 94

Largest counties by establishments: Davidson (1,370 establishments, 24,427 employees); Shelby (1,133 establishments, 16,396 employees); Knox (967 establishments, 11,852 employees).

Source: U.S. Census Bureau, County Business Patterns 2021, retrieved 2026-10-05 from api.census.gov. Payroll is the Census annual payroll figure for the year shown; it is not a premium estimate.

Search Tennessee markets for contractor

Questions