Industry experts for workers compensation data collection and assigned risk placement in Michigan
Assigned Risk Coverage can be applied for through our Online Assigned Risk (OAR) system.
Our procedures handbook, found here, was created specifically for licensed Michigan insurance agents to help them understand the Facility and provide better service to their assigned risk policyholders.
Employers Liability Coverage - Part Two is restricted to the standard limit of liability of $100,000 unless the insured requests higher limits of $500,000 or the maximum limit of $1,000,000.
Note: Additional charge is based on the total premium and added before the experience modification.
L M Insurance
Accident Fund Ins Co of America (Effective 1-1-17)
Certificates of insurance are to be issued by the Servicing Carrier within 5 working days of receipt of the request.
Often, more immediate issuance is required. If so, the Servicing Carrier should be contacted to see what arrangements can be agreed upon.
In order to ensure your application is completed in a timely manner, please view these common reasons an application is returned or delayed.
The answers to most frequently asked questions for the assigned risk process can be found here, or under the resource(s) links to the right.
The Depopulation Report contains all Facility policies expiring in the next quarter year. This report includes Employer Name, City, State, Risk I.D. Number, Premium, Expiration Date, Classification Code, Experience Modification and Pool Surcharge.
The data is formatted in an ASCII file capable of being opened in a spreadsheet program. Facility member carriers may distribute this information to their agents. Member carriers may also display this depopulation information on their web site and/or establish links to CAOM’s web site.
A printable PDF version, and a downloadable comma separated value text file (right click -> save link as) for spreadsheet use are available below. Once downloaded, the file can be opened in Excel, or notepad.