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Thanks George,

As discussed – in some states the rate is the same no matter who you use.

If the policy is goverment underwritten the broker/intermediary will not receive any commission and will therefore charge a service fee. This will usually be for processing the new policy paperwork and possibly some ongoing support (eg submission of wages declarations / adjustments etc). Then it will be usually charged out at an hourly rate (for advice etc).

I wouldn’t think with such a low rate there would be much difference in the states where insurers set their own premiums – it would probably then be a case of which insurer can provide the best service for your industry.