Workers Compensation

While no two states' Workers Compensation laws are identical, the objective is the same: to provide "no fault" benefits to employees injured on the job. However, the common law system of compensating injured workers was not completely eliminated when these laws were enacted. Workers compensation laws are not applicable to certain employers, categories of employment and legal actions. We will guide your organization through the jurisdictional challenges to ensure that you are properly covered in those states in which you actively and passively operate.

We will build custom Workers Compensation Programs to include:

• our in-house loss control
• interactive safety guidance
• development of safety programs
• OSHA recording
• compliance assistance

Our team will also:

• perform payroll and classification review
• review experience rating accuracy, experience modification projections, and other tools to manage your premium dollars and prevent overcharges.

We also operate the largest third party administrator in Indiana. JWF Specialty Company is a leader in alternative risk solutions for large employers and public entities. JWF Specialty has worked with several Indiana companies to establish qualified self-insured status, saving millions of dollars along the way. Our professionals have extensive experience with:

• Retro insurance programs
• Large deductible plans
• Self-insured plans
• Guaranteed cost workers compensation
• Dividend programs
• Experience Modification Rating Factor (EMR) audits & projections