Table 11: Residual Workers Compensation Insurance Market By Jurisdiction

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1 Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend Yes/State Fund of Arizona AR Yes/NCCI Two declination CA Yes/State CO Yes/Pinnacol CT Yes/NCCI Two declination. For policy renewals, one must be from current carrier. No NWCRP Optional 1 A refusal is documented through the receipt of a declination letter from an insurance carrier. 2 Competitive State s were included in the residual market as a market/insurer of last resort since a number of states with competitive state insurance funds also have a assigned risk plan. In addition, some are the residual market in a number of states. 3 NCCI stands for National Commission 4 NWCRP stands for National Workers Pool 1

2 Table 11: Residual Workers Market By DE Yes/Delaware Rating Bureau Two declination for a new policy. For a policy renewal, one declination letter is required from the current carrier and two other carriers. DC Yes/NCCI Two declination FL Yes/Florida Two declination Workers Joint Underwriting Association, Inc 6 Agent/ ()/ Access? Recommended NWCRP Yes 5 NWCRP Yes GA Yes/NCCI Four declination HI Yes/Hawaii Employers Recommended 5 Workers compensation agency staff reported the requirement to use an agent is a barrier to obtaining insurance because the agent has no incentive to process a policy for a household employer because their compensation is low (e.g., $15-20 administrative fee/policy) and the paperwork burden and cost is significant. 6 As the market of last resort in Florida, the JUA processes the applications from employers and then assign them to their third party administrator, Travelers, for processing. 2

3 Table 11: Residual Workers Market By ID Yes/NCCI Three declination ; one from State Fund IL Yes/NCCI Two declination IN Yes/IN Three declination Rating Bureau IA Yes/NCCI Two declination KS Yes/NCCI Three declination Agent/ Yes ()/ Yes/Idaho State Access? Recommended NWCRP KY Yes/Kentucky Employers LA Yes/LA Workers Corporation Yes Yes 3

4 Table 11: Residual Workers Market By Agent/ ()/ ME Yes/Maine Employers MD Yes/MD Injured Workers MA MI MN Yes/Workers Rating Bureau of MA Yes/ Advisory Organization of MI Yes/MN Workers Insurers Assoc. Two declination Access? Not required, but recommended No 7 Yes MA Pool MI WC Placement Facility One declination letter MS Yes/NCCI Two declination Yes Yes/MN State Fund Mutual 8 Yes MN AR Pool Yes MS AR Pool 7 MD Injured Workers staff reported that agents could act as a barrier to residual market it he/she has no incentive to represent the household employer 8 Representative at the organization reported that although they focus on small to medium sized employers they probably would not write a policy for a household employer and that an agent (which is required to access insurance through organization) probably would not approach them with an application, they would go right to the State s Plan. 4

5 Table 11: Residual Workers Market By Agent/ ()/ MO Yes/Travelers 9 Access? Recommended Alternative 11 Missouri Mutual 10 MT Yes/Montana State Fund NE Yes/Travelers NV Yes/NCCI Two declination Recommended N/A Two refusals; one can be a nonrenewal of coverage from current insurer Recommended No Alternative NH Yes/NCCI Two declination NJ Yes/ NJ Three declination and Rating Bureau 9 Travelers is the agent, administrator and service carrier for the residual market in MO. 10 Missouri was created to provide workers compensation insurance to small businesses acting as the default voluntary carrier in the State. 11 Travelers assumes all of the risk up to a 100% loss ratio. If the loss ratio exceeds 100%, the balance is spread over all voluntary carriers in the state. 5

6 Table 11: Residual Workers Market By NM Yes/NCCI Two declination Agent/ Yes ()/ Yes/New Mexico Mutual Casualty NY Yes/New York State Fund Access? No NM AR Pool NC Yes/ NC Rating NWCRP Bureau ND OH OK Yes/Compsource OK OR Yes/NCCI One declination letter 12 Yes Yes/SAIF No NWCRP PA Yes/State Workmen s RI Yes/Beacon SC Yes/NCCI Two declination Recommended Recommended Yes Alternative SD Yes/NCCI Two declination 12 A refusal from the SAIF meets requirement. 6

7 Table 11: Residual Workers Market By TN Yes/Aon Risk Services Two declination. For a policy renewal, one must be from Agent/ ()/ current carrier. TX Yes/Texas Co. UT Yes/Workers Fund of Utah Access? Recommended Alternative VT Yes/NCCI Two declination VA Yes/NCCI Two declination WA WV WI Yes/WI Rating Bureau WI WC Pool WY AS GU NMI NN for household employers of domestic service workers for household employers of domestic service workers PR VI N/A 7

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