State Approved Carve-Out

1 Of Only 70 State-Approved Programs That Locks Your Rate For 3 Years, Saves 50-80% On Claims Or You Don't Pay

Stop accepting high premiums and climbing ex-mods. Access the legal carve-out most California employers have never been offered.

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1 of only 70 California-approved carve-out organizations The ONLY one able to extend it to other businesses 4 consecutive years on the Inc. 5000 Powered by TUB Insurance: License #0167525 Serving California employers & staffing agencies statewide

Climbing Ex-Mod & Premium

No structural way to lower costs only a new policy at a higher rate.

Paying for Litigation

Claims sit open for years while attorneys run the meter at your expense.

Brokers Can't Fix It

The problem is the litigation system every standard policy leaves you trapped inside.

Samuel Hale replaces the standard litigation-heavy system with a state-approved Alternative Dispute Resolution (ADR) carve-out.

Not Another Broker

Direct access to a State of California carve-out most employers never see.

Zero Litigation

Disputes are resolved directly with employees through ADR, removing attorneys.

Structural Savings

Savings are built-in and permanent, not a one-time discount that evaporates.

Complete Program

Includes protection, administration, and an assigned Safety Manager.

"One of the greatest changes I've seen over the last three years is how our ex-mod rating has dropped. I know this is because of your ADR program, and how quickly you handle claims."

Scott Sanchez
CEO, S&S Directional Drilling

"Our relationship with Samuel Hale has been phenomenal and has assisted us in decreasing W/C costs dramatically."

Pamela Lamberth
CEO, Bright Futures Academy

"Never before has a company felt like a partner to my business. It's comforting to know that someone personally cares that my company thrives."

Tom Lee
Owner, Hi-Tech Iron Works
1

Request Analysis

Share your current premium, ex-mod, and claims situation.

2

Get Insights

Receive a savings analysis built around your specific payroll and history.

3

Lock in Rates

Qualify for the carve-out and lock in your new program structure.

4

Improve Safety

Get an assigned Safety Manager for audits, OSHA prep, and return-to-work.

5

Resolve & Track

Resolve claims through ADR and receive monthly AI-powered performance reports.

Employers ("The Patriot")

  • Carve-out access & ADR administration
  • Ex-mod relief & 3-year rate lock
  • Dedicated Safety Manager & OSHA prep
  • Full payroll & compliance administration
  • Monthly AI video claims reports
Pricing
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Staffing Agencies ("SHE")

  • Workers' comp & ADR administration
  • Contingent-workforce risk mitigation
  • Safety management for placed workers
  • Digital payroll & compliance platform
  • Worker benefits (healthcare, instant-pay)
Pricing
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See Exactly How Much Your Ex-Mod Is Costing You
0%
Of claims reach the WCAB
Up to 80%
Saved on cost of claims
6
Straight years, no rate increase
10,000+
Workers in The PACT

Request Your Estimated Savings

Michael DiManno built Samuel Hale to give California employers a way out of a broken system. With 30+ years in staffing and insurance, he didn't build another brokerage he built a state-approved structure that shares its advantage directly with businesses.

30+ Years
Staffing & Insurance
Expert Witness
Dept of Insurance
Honoree
SBJ 40 Under 40
(855) 726-4253
samuelhale.com
Will I still generate an ex-mod rating?
Yes — your payroll and claims are still reported to the WCIRB under your company. The difference is what happens to a claim once it's filed, which is where the ADR carve-out lowers your costs over time.
Is this just a PEO with a different name?
Samuel Hale uses a co-employment model styled after a PEO, but the carve-out is what sets it apart. No standard PEO has the State approval to resolve workers' comp disputes through ADR instead of the WCAB.
Is this just a PEO with a different name?
Samuel Hale uses a co-employment model styled after a PEO, but the carve-out is what sets it apart. No standard PEO has the State approval to resolve workers' comp disputes through ADR instead of the WCAB.
How exactly does a claim get resolved without going to court?
Through an Ombudsman, mediation, and arbitration under Labor Code 3201.7 — a judicial process for settling disputes without litigation. It approves legitimate care faster and gets employees back to work sooner, without attorneys driving up the cost.
What happens to my current coverage and broker relationship?
The estimated-savings analysis isn't about ripping anything out — it's about showing whether the carve-out structure would beat what you have today. Many operators only discover the gap once someone who knows the California system actually runs their numbers.

Free estimated-savings analysis. You will be talking to the Samuel Hale team.

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