Your guide to winning — and keeping — more accounts this year
The mid-market workers’ compensation space is changing fast in 2025. Carriers are taking rate, underwriting is tightening, and clients are more selective than ever about where they place their business. But with the right strategy, brokers can turn these market shifts into a growth opportunity.
This guide, The 2025 Mid-Market Workers’ Comp Playbook, outlines the top trends shaping the space and practical steps you can take to win renewals, capture new accounts, and protect your book.
Trend #1: Carriers Are Pushing Rate Increases
What’s happening:
- Many markets are adjusting rates upward to account for rising claim costs and inflation.
- Construction, manufacturing, and agriculture accounts are seeing some of the largest bumps.
What to do about it:
- Proactively prepare clients for increases with a documented strategy to reduce losses.
- Use risk management tools like Foresight’s Safesite platform to demonstrate measurable safety improvements that can help justify better pricing.
Trend #2: Safety Performance is Becoming a Pricing Lever
What’s happening:
- Carriers are leaning more on safety scores and claims history when pricing.
- Businesses with documented safety improvements can often negotiate better terms.
What to do about it:
- Bundle safety + coverage as part of your sales pitch.
- Show prospects how a safety platform can reduce claim frequency and severity, and how that directly impacts premium over time.
- Share real case studies with claim reductions and premium savings.
Trend #3: Mid-Market Clients Want More Than Just a Quote
What’s happening:
- Decision makers are frustrated with “quote-and-run” approaches.
- They want value beyond the policy including proactive communication, claims help, and loss control support.
What to do about it:
- Lead with the story of your service model, not just the coverage.
- Partner with insurers that will join you on calls, help with presentations, and provide marketing support (like Foresight’s built-in sales team approach).
Action Steps for Brokers in 2025
- Audit your current WC book — Identify accounts where claim history or experience mods are trending in the wrong direction and intervene early.
- Adopt a safety-first sales process — Present coverage alongside tangible safety improvements your clients can make starting day one.
- Target industries where you can stand out — Focus on sectors like construction, manufacturing, and agriculture where Foresight’s safety programs can provide true value.
- Leverage your carrier’s resources — Use co-branded marketing, joint sales calls, and loss control experts to boost your close rate.
- Proactively defend renewals — Start renewal conversations 90 days out with data, not just a quote.
Why Partner with Foresight in the Mid-Market WC Space?
- Limited distribution model means less competition for your accounts.
- Safety tech included to reduce claims and improve pricing leverage.
- Hands-on support from underwriting, claims, and safety experts.
- Appetite for mid-market and small commercial WC in industries where other carriers are tightening.
2025 is a year for brokers who can do more than just quote, it’s for those who can prove their value at every step. Foresight is built to be your competitive advantage in the mid-market workers’ comp space.
📩 Let’s talk strategy. Contact us to learn how we can help you win and retain more accounts this year.
