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Not all products and services are available for every state. Contact your Independent Insurance Agent for more information.


Group Programs
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Thank you  for visiting Accident Fund Insurance Company of America. You've reached our Group Program page. Listed below are our Group Program details. For additional information, you may contact an Accident Fund agent by clicking here.

Giving You More for Your Money

Workers compensation costs can often be a burden to small-business owners. To help relieve some of that burden, we created our Group Program. As a Group member, you can save money and still get great workers compensation insurance for your employees.

When you belong to an Accident Fund Group Program, your business can expect the following benefits:

  • 5% up-front savings on your premium*
  • Opportunity for dividend payments based upon the entire group's loss history
  • Access to safety materials through our Loss Prevention Tool BoxTM
  • General underwriting guidelines apply.


It Pays to Be Safe

Policy Premium $10,000.00
- 5% discount* -$500.00 
  $9,500.00
Sample 8% Dividend -$760.00**
Final premium  $8,740,00

*IA, KS, MO, NC, TN, TX and WI do not allow for 5% up-front discount due to
state filings.
**Dividends are payable 15 months after group expiration. It should be noted that dividends require approval by Accident Fund's Board of Directors. Therefore, neither dividends, nor any factors used in their calculation, may be guaranteed.


Savings Without Sacrifice
As an Accident Fund Group member, you receive the most competitive rates available without sacrificing quality, compassion or competence on your workers compensation claims.
 

DID YOU KNOW?
An average dividend return of 7.1% has resulted in $34 million in dividends to policyholders since 1995.

Performance Brings Rewards
Dividends are paid based on your group’s overall loss performance, rewarding you for your safety management. To help you create a safe work environment, Accident Fund Insurance Company of America provides you with tools you can use to reduce losses.

Loss Prevention Toolbox™
Our Toolbox provides instant answers to your safety questions. This on-line tool offers safety programs, downloadable handouts and links to OSHA and other safety sites. This safety tool will help you keep your workers safe and add to your bottom line.

Loss Prevention Tools
To further support your commitment to creating a safe working environment, Accident Fund offers the following additional WorkSafe tools:
  • Access to safety education programs that can be customized for your business
  • Free video/DVD online loan program, featuring top safety training programs
  • Free quarterly WorkSafe Update newsletter and Loss Prevention Calendar

Loss Prevention Safety Articles

Claims Management Expertise

  • Online and toll-free claims reporting
  • Additional savings for prompt claims reporting
  • Discounts for using a WorkSafe care provider

For more information about Accident Fund Insurance Company of America’s Group Program, contact your Accident Fund independent agent.

GROUP PROGRAMS BY STATE
Click on the map to see a list for that state
* Non-resident licensing applies in all states
* Membership is not required


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