Operating Units

Accident Fund Companies
Accident Fund Companies’ focus is on small- to mid-size accounts east of the Rockies in industries with low- to medium-hazard ratings. These employers have less complicated insurance needs, but desire an efficient and high-quality way to protect their employees and meet their responsibility to provide workers compensation coverage. They value their insurance agent as their trusted advisor in this process. Accident Fund Companies issues mostly guaranteed-cost products, and its business model values:

Strong business relationships with all stakeholders, and especially agents.

Ease of doing business; Accident Fund Companies must be able to meet coverage needs in an efficient and quality way for a large number of employers. This requires strong use of the best technology available in our industry.

Expertise in collecting and analyzing data, which allows us to capitalize on patterns and trends to improve outcomes for our agents, policy holders and claimants.

CompWest
CompWest focuses on states west from the Rockies and leads with its exceptional claims model. Its business operations focus on four distinct customer segments and geographies. California Core and Western States focuses on low- to medium-hazard “four-wall” operations ranging in premium size from $20,000 up to $500,000, targeting customers such as restaurants, hotels, auto dealers, country clubs, wineries, retail and wholesale services and light manufacturing operations. CompWeb focuses on smaller “four-wall” businesses with premiums up to $20,000. ComPlex focuses on larger, more complex accounts in two tracks: large “four-wall” Western US regional customers with premiums up to $3 million; and customers in need of extensive loss control and return to work expertise. Finally, ComPlete develops and promotes alternative marketing and distribution options through CompWest branded programs or through affinity groups or association endorsements. Across its operations, the CompWest business model values:

Strong underwriting discipline integrated with data analytics to ensure consistent risk evaluation and pricing aligned with exposure.
Partner Brokers who demonstrate the ability to differentiate the CompWest value proposition and believe in Workers’ Compensation with Care®.
Workers’ Compensation with Care® to reduce the incidence of litigation, shorten the duration of disability and expedite an injured worker’s return to work through prompt and focused personal interaction with the employer, the worker and their family.

Third Coast Underwriters
Third Coast Underwriters, with agency appointments in Illinois, Iowa and Missouri, focuses in underserved markets that are complex and challenging such as construction, non-trucking transportation, emerging markets, and mergers & acquisitions with a minimum premium of $150,000. Third Coast focuses on insuring customers who understand the impact of workers compensation costs and are willing to enter long-term partnerships to obtain superior results. The Third Coast business model values:

Individual potential customer evaluation by an underwriting and loss control team.
Opportunities to strengthen programs, not just assess them.
The ability to think “outside the box” to build a product that matches each client’s individual needs.
Designating a tenured claim professional to every account.

United Heartland
United Heartland focuses east of the Rockies on mid- to large-size accounts in health care, nursing homes, nonprofits, social services, manufacturing, transportation, schools and wholesale/retail. The Company targets employers in search of lower workers compensation costs that can benefit from extensive loss control, aggressive claims management and return-to-work expertise. For these reasons, the United Heartland business model values:

A high-touch, high-service model for customers who aggressively manage safety, claims and return to work capabilities.
A disciplined underwriting approach for every customer.
Loss sensitive insurance products designed to meet customers’ risk management needs.