Understanding our company placement procedure

  1. You submit a completed application and necessary supplements
  2. PIA reviews for accuracy and completeness
  3. Based on the information received, PIA and/or Agency Resources will determine (based on the risk) which carrier would quote the business

First we will try and place the business with the carrier for which the brokers receive 7% commission (Hartford)

Next we will review the risk with the carrier paying 6% broker commission (Tower)

Then we will review the risk with the carrier paying 5% broker commission (Rochdale*)

And lastly we will review the risk with AIG, paying 4% broker commission.

*The exception to this is that some business may be placed with AIG over Rochdale if it meets both carriers guidelines and we don't have loss runs or the supplemental information needed to submit to Rochdale.


To review Underwriting Guidelines for all carriers go to
http://www.piaonline.org/SVS/wc/ARIuw.shtml or call PIA at 800-424-4244,
extension 850.

Code Phraseology Rate
1860Abrasive Paper or Cloth Preparation   7.86
1748Abrasive Wheel Mfg. & Drivers   6.67
8803Accountant, Auditor or Factory Cost or Office Systematizer - Traveling0.14
8800Addressing or Mailing Co.1.78
3507Agricultural or Construction Machinery Mfg.  4.22
5536Air Conditioning and Heating Duct Work - Shop and Outside - & Drivers   8.02
3685Air Pressure or Steam Gauge Mfg.1.61
3227Aluminum Ware Mfg.   25.08
5648Aluminum, Plastic or Vinyl Siding Installation & Drivers   8.82
4511Analytical Chemist   1.16
8601Architect or Engineer - Consulting  0.81
3200Arms Mfg. NOC   3.49
4133Art or Cathedral Glass Window Mfg.  2.34
1463Asphalt or Tar Distilling or Refining & Drivers   10.04
1463Asphalt Works & Drivers   10.04
4511Assaying   1.16
9182Athletic Team or Park: - Operation of Park & Drivers   1.36
8820Attorney - All Employees - & Clerical, Messengers, Drivers0.19
8090Auctioneers & Salespersons   0.83
4923Audio or Visual Recording Media Mfg.  2.26
8803Auditor, Accountant or Factory Cost or Office Systematizer - Traveling0.14
3145Automatic Screw Machine Products Mfg. 4.00
3634Automatic Sprinkler Head Mfg.  2.78
5188Automatic Sprinkler Installation & Drivers   3.85
8391Automobile Body Repair Shop - All Operations - & Drivers   4.67
8391Automobile Car Wash & Drivers   4.67
3827Automobile Engine Mfg.   7.09
8391Automobile Gasoline and/or Service Station: Full or Full and Self-Service Gasoline & Drivers   4.67
8382Automobile Gasoline and/or Service Stations: Self-Service Gasoline - with Convenience Store 2.99
8381Automobile Gasoline Station - Retail - Self-Service 3.16
3648Automobile Lighting, Ignition or Starting Apparatus Mfg. NOC  3.70
3808Automobile Mfg. Or Assembly  6.52
8392Automobile Parking Lot & Drivers 2.75
3807Automobile Radiator Mfg.  6.84
8391Automobile Repair Shop - All Operations - & Drivers   4.67
8391Automobile Sales or Service Agency - All Operations - & Drivers   4.67
8748Automobile Salespersons   0.90
8392Automobile Storage Garage or Parking Station & Drivers 2.75
8391Automobile Tire Dealer & Drivers   4.67
8748Automobile Tire Salespersons   0.90
3381Automobile Wheel Mfg. - Metal - Not Cast  2.64
9505Automobile, Bus, Truck or Trailer Body Mfg.: - Painting  3.38
9522Automobile, Bus, Truck or Trailer Body Mfg.: - Upholstering  2.75
2576Awning or Tent Mfg. - Shop Only  4.26
3865Baby Carriage Mfg.  3.27
4273Bag Mfg. - Paper or Plastic  4.54
2578Bag or Sack Mfg. - Cloth  3.73
2578Bag Renovating  3.73
2003Bagel Mfg. & Route Salespersons, Route Supervisors & Drivers 6.37
8043Bagel Shops - Retail 1.72
2003Bakery & Route Salespersons, Route Supervisors & Drivers 6.37
6504Baking Powder Mfg. 5.98
3638Ball or Roller Bearing Mfg. 2.96
9074Bar/Tavern   2.04
9586Barber Shop0.67
9015Baths   2.97
3642Battery Mfg.   2.05
3647Battery Mfg. - Storage   5.59
8102Bean Sorting or Handling  7.87
9586Beauty Parlor0.67
3300Bed Spring or Wire Mattress Spring Mfg. 4.48
3076Bedstead Mfg. or Assembly - Metal 5.26
3865Bicycle Mfg. Or Assembly  3.27
9089Billiard Hall  0.52
2883Billiard Table Mfg.  6.57
1438Blast Furnace Operation & Drivers   4.77
9052Boarding House or Hotel - Resort - All Other Employees - & Drivers 3.71
9058Boarding House or Hotel - Resort - Restaurant Employees 2.28
9052Boarding House or Hotel - Seasonal - All Other Employees - & Drivers 3.71
9058Boarding House or Hotel - Seasonal - Restaurant Employees 2.28
7201Boarding or Livery Stable - Not Sales Stable - & Drivers   5.42
8731Boiler Inspection   1.46
3620Boilermaking   12.75
3132Bolt or Nut Mfg.  3.02
4452Bone or Ivory Goods Mfg.  4.71
4307Bookbinding3.86
3548Bookbinding or Printing Machinery Mfg. 3.98
2660Boot or Shoe Mfg. NOC  4.83
4282Boot or Shoe Pattern Mfg. 0.51
4568Borax, Potash or Salt Producing or Refining & Drivers   5.04
8264Bottle, Rubber, Paper Stock or Rag Dealer - Second-Hand - & Drivers  11.70
2157Bottling NOC & Drivers  9.98
9093Bowling Lane 1.58
2817Box Mfg. - Cigar - Wood  6.09
4240Box Mfg. - Set-up Paper  4.81
4243Box Mfg. NOC - Folding Paper  3.09
2570Box Spring or Mattress Mfg. 6.57
2387Braid or Fringe Mfg. 2.96
2121Brewery & Drivers 5.82
4024Brick Mfg. - Fire or Enameled - & Drivers   6.67
4024Brick or Clay Products Mfg. NOC & Drivers   6.67
9019Bridge or Vehicular tunnel Operation & Drivers   2.31
1463Briquet or Coal Billet Mfg. & Drivers   10.04
2841Brush or Broom Handle Mfg.  7.15
2835Brush or Broom Mfg. NOC 2.75
3129Buckle or Button Mfg. - Metal  3.14
8232Building Material Dealer - No Second-Hand Material - & Local Managers, Drivers  7.34
9029Building NOC - Maintenance or Ordinary Repair Only - Not Contractors   6.00
9026Building Operation - Commercial - No Dwelling Occupancy Except by Owner or Custodian  4.53
9027Building Operation - Dwelling or Combined Dwelling and Commercial Occupancy Not More than One Story Used for Commercial Purposes   16.80
9028Building Operation NOC - Dwelling or Combined Dwelling and Commercial Occupancy  3.66
1463Building or Roofing Paper or Felt Preparation - No Installation - & Drivers   10.04
9030Building Service Contractor  4.92
9522Burial Garment Mfg. And Casket or Coffin Upholstering  2.75
2070Butter or Cheese Mfg. & Route salespersons, Route Supervisors & Drivers8.95
4479Button Mfg. NOC  3.63
3129Button or Buckle Mfg. - Metal  3.14
2883Cabinet Mfg. - Wood - For Audio or Visual Devices  6.57
2881Cabinet Work - No Power Woodworking Machinery 6.55
2816Cabinet Work - With Power Machinery  4.73
2817Cabinet Work - With Power Machinery  6.09
2818Cabinet Work - With Power Machinery  4.07
5429Cabinet Work Installation   6.45
7536Cable Installation & Divers   9.24
4470Cable Mfg. - Insulated Electrical   8.70
1924Cable Mfg. Or Wire Drawing - Not Iron or Steel  9.17
3257Cable or Wire Rope Mfg. - Iron or Steel  4.75
1438Calcium Carbide Mfg. & Drivers   4.77
9048Camp Operation - Recreational or Educational - All Employees - & Drivers   4.76
3220Can Mfg.  3.52
4710Candle Mfg.  5.71
2111Cannery NOC 9.46
2576Canvas Goods Mfg. NOC - Shop  4.26
2383Carbon Paper or Typewriter Ribbon Mfg.   3.88
2157Carbonated Beverage Mfg. NOC & Drivers  9.98
5645Carpentry - Detached One or Two-Family Dwellings   12.30
5651Carpentry - Dwellings - Three Stories or Less   12.72
2802Carpentry - Shop Only - & Drivers  9.19
5403Carpentry NOC   12.67
9521Carpet Installation (AIG ONLY)  5.96
2302Carpet or Rug Mfg. - Jute or Hemp 4.72
2402Carpet or Rug Mfg. NOC 2.02
2593Carpet, Rug or Upholstery Cleaning - Shop or Outside - & Route Salespersons, Drivers  6.69
3808Carriage or Wagon Mfg. Or Assembly  6.52
5183Carrier System Installation or Repair & Drivers   6.88
3574Cash Register Mfg.1.92
9061Casino Gambling - All Employees - & Clerical 1.93
9044Casino Gambling - Hotel - All Other Employees - & Salespersons   2.03
9058Casino Gambling - Hotel - Restaurant Employees 2.28
3076Casket or Coffin Mfg. or Assembly - Metal 5.26
2883Casket or Coffin Mfg. or Assembly - Wood  6.57
9522Casket or Coffin Upholstering and Burial Garment Mfg.  2.75
9071Catering2.04
4133Cathedral or Art Glass Window Mfg.  2.34
1701Cement Mfg.   3.96
5403Cement or Concrete Distributing Tower Installation, Repair or Removal   12.67
5221Cement or Concrete Work - Floors, Driveways, Yards or Sidewalks - & Drivers   11.64
9220Cemetery Operation & Drivers  5.62
3110Chain Mfg. Forged   9.09
7380Chauffeurs & Helpers NOC - Commercial 7.67
2070Cheese or Butter Mfg. & Route salespersons, Route Supervisors & Drivers8.95
2041Chewing Gum Mfg.5.21
2041Chocolate or Cocoa Mfg.5.21
2172Cigarette, Cigar or Tobacco Mfg.   1.79
8742Claim Adjusters or Special Agents - Insurance Co.0.46
4024Clay or Brick Products Mfg. NOC & Drivers   6.67
9025Cleaning Outside Surfaces of Buildings & Drivers   23.20
8810Clerical Office Employees NOC0.28
8803Clerical Service Contractor - Traveling0.14
8871Clerical Telecommuter Employees  0.77
8103Clippings Dealer & Drivers   5.02
3385Clock Mfg. 0.94
2417Cloth Printing 5.01
2591Cloth Sponging & Route Salespersons, Drivers  5.06
2501Clothing Mfg. 1.50
9060Club - Country, Golf, Fishing or Yacht - & Clerical 2.25
9065Club - Tennis - & Clerical 0.88
9061Clubs NOC - All Employees - & Clerical 1.93
1463Coal Billet or Briquet Mfg. & Drivers   10.04
8350Coal Merchant & Drivers   7.83
2553Coat Front Mfg. 3.66
2041Cocoa or Chocolate Mfg.5.21
6504Coconut Shredding or Drying 5.98
6504Coffee Cleaning, Roasting or Grinding 5.98
3076Coffin or Casket Mfg. or Assembly - Metal 5.26
2883Coffin or Casket Mfg. or Assembly - Wood  6.57
9522Coffin or Casket Upholstering and Burial Garment Mfg.  2.75
8031Cold Storage Locker - Frozen Foods 3.23
2501Collar Mfg. 1.50
8742Collectors, Messengers or Salespersons - Outside0.46
9101College: - All Other Employees & Drivers 4.97
8868College: - Professional Employees & Clerical 0.69
5954Color Grinding, Bleeding or Testing   2.49
5191Computer Device Installation, Service or Repair  1.47
8810Computer System Designers or Programmers: - Exclusively Office0.28
8803Computer System Designers or Programmers: - Traveling0.14
3574Computing, Recording or Office Machine Mfg. NOC1.92
5213Concrete Construction NOC   16.02
5403Concrete or Cement Distributing Tower Installation, Repair or Removal   12.67
5221Concrete or Cement Work - Floors, Driveways, Yards or Sidewalks - & Drivers   11.64
4034Concrete Products Mfg. & Drivers  10.46
3559Confection Machinery Mfg.  2.10
2041Confection Mfg.5.21
3507Construction Machinery, Dredge or Steam Shovel Mfg. NOC  4.22
3507Construction or Agricultural Machinery Mfg.  4.22
8227Construction or Erection Permanent Yard   7.78
5606Contractor - Executive Supervisor   4.84
8107Contractors Machinery Dealer - Store or Yard - & Drivers  5.75
2302Cord, Rope or Twine Mfg. - cotton, linen or silk 4.72
4244Corrugated or Fiberboard Container Mfg.  7.19
8103Cotton Merchant & Drivers   5.02
2302Cotton Spinning and Weaving 4.72
8292Cotton Storage  5.73
8810Counseling - Social Work: - Inside Work Only0.28
2001Cracker Mfg. 6.32
2942Crayon, Pencil or Penholder Mfg.  2.23
2070Creameries & Route salespersons, Route Supervisors & Drivers8.95
9620Crematory Operation & Drivers 1.42
3384Custom Jewelry Mfg. - Exclusively 0.51
3122Cutlery Mfg. NOC 5.13
6017Dam or Lock Construction: - Concrete Work & Drivers in Connection with Dams or Locks - All Types   3.77
4692Dental Laboratory0.97
8832Dentist & Clerical0.58
5403Derrick or Oil Rig Erection or Dismantling - Applies to Rigs or Derricks of Wood   12.67
3372Detinning   6.06
3384Diamond Cutting or Polishing 0.51
2594Diaper Service & Route Salespersons, Drivers  7.95
1925Die Casting Mfg.   5.12
8831Dog Show: - Kennel Employees & Drivers  1.76
2501Doll Clothing or Cloth Dolls or Cloth Parts Mfg. 1.50
4475Doll or Doll Parts Mfg. - Plastic  4.71
0042Domestic Service Contractor - Outside - & Drivers   7.20
0908Domestic Workers: - Inside - Occasional   74.30
5102Door, Door Frame or Sash Erection - Metal or Metal Covered   8.84
3060Door, Door Frame or Sash Mfg. - Wood - Metal Covered   10.52
2737Door, Sash or Assembled Millwork Mfg. & Drivers  9.10
8235Door, Sash or Finished Millwork Dealer & Drivers 8.93
2003Doughnut or Cruller Mfg. - Not at Retail Shops - Route Salespersons, Route Supervisors & Drivers 6.37
9072Doughnut Shops - Retail2.04
8810Drafting Employees0.28
8871Drafting Telecommuter Employees  0.77
6229Drainage or Irrigation System Construction & Drivers   6.82
3507Dredge, Steam Shovel or Construction Machinery Mfg. NOC  4.22
4038Dress Form Mfg. 2.52
4282Dress Pattern Mfg. - Paper 0.51
2503Dressmaking or Tailoring - Custom - Exclusively1.09
6204Drilling NOC & Drivers   13.52
7380Drivers and Helpers NOC - Commercial 7.67
4611Drug, Medicine or Pharmaceutical Preparation - No Mfg. of Ingredients  2.30
4825Drug, Medicine or Pharmaceutical Preparation Mfg. - Includes Mfg. of Ingredients  1.37
2591Dry Cleaning or Laundry - Commercial - & Route Salespersons, Drivers  5.06
2590Dry Cleaning or Laundry - Retail - & Route Salespersons, Drivers 2.66
8017Dry Cleaning or Laundry Collecting or Distributing Store1.72
8017Dry Cleaning or Laundry Store - Self-Service1.72
4024Earthenware or Tile Mfg. NOC & Drivers   6.67
3191Electric Lighting Fixture, Lantern or Lamp Mfg.: - All Other Operations  3.31
3190Electric Lighting Fixture, Lantern or Lamp Mfg.: - Assembly & Finishing  3.67
3643Electric Power or Transmission Equipment Mfg.   4.21
3179Electrical Apparatus Mfg. NOC  3.96
3737Electrical Apparatus Repair or Servicing at Customers Premises & Drivers   4.82
3681Electrical Cord Set, Radio or Ignition Harness Assembly 2.40
5190Electrical Wiring - Within Buildings - & Drivers   6.03
3372Electroplating   6.06
5160Elevator Erection or Repair   6.96
8731Elevator Inspecting   1.46
3042Elevator or Escalator Mfg.   10.53
2388Embroidery Mfg. 2.27
1747Emery Works & Drivers   11.13
3827Engine Mfg. - Automobile   7.09
3612Engine Mfg. NOC 4.96
8601Engineer or Architect - Consulting  0.81
4352Engraving0.94
3737Equipment or Machinery Repair or Servicing at Customers Premises NOC & Drivers   4.82
3042Escalator or Elevator Mfg.   10.53
4628Essential Oils Mfg. & Distillation  1.61
6217Excavation NOC & Drivers   8.29
8809Executive Officers NOC - Not Foreman, Workers or Salespersons 0.37
5606Executive Supervisor - Contractor   4.84
9055Exercise or Health Institute  0.88
3632Explosives or Ammunition Mfg.: - Projectile or Shell Mfg.  4.38
9014Exterminator & Drivers   6.04
4628Extract Mfg.  1.61
3270Eyelet Mfg. 2.84
4493Fabric Coating or Impregnating NOC  4.79
8803Factory Cost of Office Systematizer, Accountant or Auditor - Traveling0.14
8116Farm Machinery Dealer - All Operations - & Drivers  2.92
0050Farm Machinery Operation - By Contractor - & Drivers   5.98
8199Farm or Feed Supply Dealer - Retail - Exclusively   5.22
0006Farms: - Farm NOC & Drivers   6.49
0007Farms: - Fruit Farm & Drivers   5.8