WC Programs

Workers’ Compensation Programs:

With over 23 years experience in the Alternative Risk Area, our worker’s compensation insurance programs are offered by insurance carriers rated a minimum of “A” by A. M. Best.  We specialize in program business for associations and affinity groups.  These program coverages include professional liability, general liability, workers’ compensation, and commercial automobile.  We administer programs for a variety of industries including hospitals and nursing homes.

Nursing Home Guaranteed Cost Workers’ Compensation Program

  • Access to carriers that are “A” rated by A.M. Best for nursing home, assisted living and retirement home exposures
  • All states except California
  • Prospects must be in business a minimum of three years
  • Direct bill – installment plans are available

Governing class codes:

  • 8832  Physicians, Dentists & Clerical
  • 8833  Hospital – Professional Employees
  • 8824  Retirement Living Centers – Health Care Employees
  • 8825  Retirement Living Centers – Food Service Employees
  • 8826  Retirement Living Centers – All other employees
  • 8829  Health Care Facilities – Convalescent or Nursing Homes (nonprofit)
  • 9040  Hospital

Submission requirements:

  • Completed Acord application (insured signature required to bind coverage)
  • Completed Supplemental Application
  • Current loss runs including current year and three to four preceding years
  • Written description and details of any losses exceeding $25,000
  • Historical premium and payroll history to match loss runs
  • Current Experience Mod Worksheet

Kansas Small Business Workers’ Compensation Program

  • Guaranteed Cost workers’ compensation program designed specifically for Kansas Employers.
  • American Compensation Insurance Company (rated A by A.M. Best)
  • Acceptable risks include manufacturing, retail and service industries.  Certain exclusions do apply.
  • Direct bill
  • Completed Acord application (insured signature required to bind coverage)

Underwriting Guidelines:

  • Premiums up to $50,000
  • Prospect must have been in business for a minimum of three years
  • No driver only exposures

Submission requirements:

  • Completed Acord application (insured signature required to bind coverage)
  • Current loss information including current year and three preceding years
  • Written description and details of any losses exceeding $10,000
  • Current Experience Mod Worksheet

Questions or submissions may be directed to Diane Shaw at dshaw@mrmsi.com or Dennis Laughlin at dlaughlin@mrmsi.com or call (479) 271-7475.