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Workers' Compensation

100+ years of workers' compensation expertise

PMA specializes in providing complete workers’ compensation risk management solutions to clients in a variety of industries. 

  • Submissions can be considered as part of an account supported by other lines of business, or as a monoline account.
  • NCCI and / or Independent Bureau Coverage Forms
  • Coverage A Workers Compensation: Statutory
  • Coverage B Employers Liability: $1M bodily injury by accident each accident / $1M bodily injury by disease each employee / $1M bodily injury by disease policy limit
  • Prudent underwriting for concentration of employees, exposures to EQ and terrorism.
  • No appetite for Trucking, Chemical and Pharmaceutical, PEO/Temporary Staffing, Agriculture, Risks with Occupational Disease Exposure, Risks with Drivers under Age 21, Millwrighting, Petroleum/Gas, Utilities (no trenching), Firearms, Terrorism Potential and Home Health Care.
  • Incurred and Paid loss Retrospective rating plans including LRARO for eligible accounts
  • Large Deductibles
  • Pre-funded Deductibles
  • Alternative risk transfer products (client – owned captives, rent-a-captives, groups & programs)
  • Fixed cost.  PMA has three tiers of rates for good, better, and best in most states
  • Small deductibles (state specific)
  • Schedule Rating (state specific)
  • Drug free credit (state specific)
  • Merit dividends (state specific)
  • Performance dividends
  • Sliding scale & retention dividends (most states)

Every great partnership starts with a conversation.

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