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Accident Fund Holdings is committed to providing the best workers compensation product and customer service to companies and their employees across the country. Our specialized business model produces superior returns and we have a strong track record of outperforming the industry. By operating as a specialist we gain a competitive advantage and have created a lasting value for our stakeholders and customers.

We specialize in workers compensation insurance, operating through our four unique operating units, each with its own niche market. Our national footprint and strength is complimented by a regional market approach, with four distinct operating units that have an intimate knowledge of their customers, injured workers, and agents and brokers. Each operating unit offers superior underwriting, marketing, loss control and claims services in their niche and focused markets. The combination of a national footprint and strength with a local market expertise is what makes our organization so strong and enables our long-term outperformance of our peers.

Accident Fund Holdings, Inc., located in Lansing, Michigan, is the tenth largest workers compensation insurer and the largest non-governmental specialty writer of workers compensation insurance in the United States. It conducts business through its four operating units: Accident Fund Companies, located in Lansing, Michigan; United Heartland, located in New Berlin, Wisconsin; CompWest, located in San Francisco, California; and Third Coast Underwriters, located in Chicago, Illinois. Its insurance company subsidiaries are rated “A-” (Excellent) by A.M. Best. Accident Fund Holdings is a wholly-owned subsidiary of Blue Cross Blue Shield of Michigan.
 

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