Do I have to wait for my renewal to switch?
No. An Agent of Record (AOR) letter takes effect immediately on most carriers. We can take over the relationship today, work the EMR and claims with the carrier directly, and have you better positioned for renewal — without you changing carriers at all. If a mid-term move makes sense, we'll quote it.
Can my EMR actually change mid-year?
The published EMR updates annually (typically 60 days before your effective date). But the things that DRIVE next year's EMR — open claims, reserve levels, claim closure — are all in motion right now. Aggressive mid-year claims management is how we move the next published number. Most brokers don't touch this between renewals.
What if I've had a lapse or a large loss?
That's exactly why we hold appointments with BerkleyNet, Cornerstone/NLF, and Shield. Lapses, high mods, prior cancellations, and large losses route through those programs as primary placements, not pass-through markets. Many roofers think they're "uninsurable" when they're actually a fit for a specialty carrier they've never been shown.
What's different about WC for roofers vs other construction?
Class code 5551 is one of the highest-rated codes in WC. Fall hazards, weather exposure, subcontractor blending, and project-based payroll all make this a specialty placement for roofers. We work the Elevate/BHHC roofer-direct program first, then layer in safety, claims, and EMR work specific to operations for roofers.
Do you actively manage claims or just sell policies?
Active management. Open claims = open reserves = future EMR. Our providers and partners review claims quarterly, push for closure where appropriate, and challenge reserve levels with the carrier. We treat claims handling as a premium-reduction tool, not paperwork.
What does the 30-minute assessment cover?
We pull your actual NCCI mod worksheet (or state equivalent), look at your loss runs, and tell you where the dollars are. If there's nothing to fix, we'll say so. If there is, you'll see the savings number before any commitment. No NDA needed.
What does "pay-as-you-go" actually mean?
Premium is calculated and paid each pay period based on actual payroll, not estimated annual payroll. No big year-end audit invoice. No cash-flow lumps. Payroll for roofers fluctuates with weather and project pipeline — pay-as-you-go matches that reality.
Are you a broker or an agency?
Both, structurally. Benefitra and its partners hold direct appointments with 19 carrier markets covering general WC and specialty lines (roofers, staffing, security, transportation, USL&H). That's broader access than most regional brokers, with the operational follow-through of an active agency.
