360 Risk Partners has built its business on the foundation of providing innovative and alternative risk solutions to business owners. The Workers’ Compensation market has suffered higher than average loss ratios, fraudulent activity and all around instability which has forced us into a hard market. Hard markets force carriers to tighten underwriting guidelines, raise pure premium rates and decline to offer coverage to industries altogether. 360 Risk Partners takes a proactive approach with our customers/prospects to give them the knowledge and resources necessary to make educated decisions for their organization's risk management needs. Through the use of our exclusive programs coupled with our strategic carrier partnerships, 360 Risk Partners is responsible for helping our clients recapture hundreds of thousands of premium dollars.