Coverage and services

From a chain of stores employing thousands, to a small business with a single employee, to anything in between – we offer workers’ compensation insurance for businesses of all types and sizes throughout the Midwest and beyond.

We even provide third-party administration services for self-insured customers.

Employers we want as partners

Above all else, we are interested in employers who care about safety and want a long-term partnership with their workers’ comp carrier. Even if your track record isn’t perfect, it’s most important to us that you are open to improving and want to keep your employees safe.

Coverage in 34 states

• We insure employers across our eight core states: Minnesota, Indiana, Iowa, Kansas, Nebraska, South Dakota, Tennessee and Wisconsin
• We can also cover their operations in 26 additional states: Alabama, Alaska, Arizona, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Kentucky, Louisiana, Maryland, Michigan, Mississippi, Missouri, Montana, Nevada, New Mexico, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Vermont and Virginia

Small business specialists

• More than half of our policies are $5,000 in annual premium or less
• Dedicated team to serve small business customers
• Convenient online application process, fast quoting and competitive pricing
• You may never have a claim, but if you do an experienced claims representative will guide you through the process

Long-term value for mid-size and larger employers

• Unparalleled claims management and loss prevention services
• Dedicated claims and safety representatives to build strong relationships and really know your business
• Improved experience modification factors (e-mods) over time for many of our larger policyholders

Areas of specialty

We insure employers in all industries, but offer specialized services for these types of businesses.

Schools

• We insure many large school districts and offer specialized safety resources to avoid common injuries to custodians, kitchen workers and bus drivers.

Health care

• Our safety staff includes professionals who are certified in safe patient handling and can provide specialized services for health care operations.
• We offer specialized health care safety resources to help employers avoid common injuries in health care settings.