American Association of State Compensation insurance Fund
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CopperPoint Mutual Insurance Company
Phone: (602) 631-2000
Address: 3030 North Third Street
Phoenix, AZ   85012

State Compensation Insurance Fund
Address: 333 Bush Street
Suite 800
San Francisco, CA   94104

Pinnacol Assurance
Phone: (303) 361-4000
Address: 7501 East Lowry Boulevard
Suite 800
Denver, CO   80230-7006

Hawaii Employers' Mutual Insurance Co. Inc.
Phone: (808) 524-3642
Address: 1100 Alakea Street
Suite 1400
Honolulu, HI   96813

Idaho State Insurance Fund
Phone: (208) 332-2100
Address: 1215 West State Street
P.O. Box 83720
Boise, ID   83720-0044

Kentucky Employers Mutual Insurance
Phone: (859) 425-7800
Address: 250 West Main Street Suite 900
P.O. Box 83720
Lexington, KY   40507-1724

Louisiana Workers' Compensation Corporation
Phone: (225) 924-7788
Address: 2237 South Acadian Thruway
P.O. Box 83720
Baton Rouge, LA   70808

Maine Employers Mutual Insurance Company (MEMIC)
Phone: (207) 791-3300
Address: 261 Commercial Street
P.O. Box 11409
Portland, ME   04104

Chesapeake Employers Insurance Company
Phone: (410) 494-2000
Address: 8722 Loch Raven Boulevard
P.O. Box 11409
Towson, MD   21286-2235

SFM Mutual Insurance Company
Phone: (952) 838-4200
Address: 3500 American Boulevard West Suite 700
P.O. Box 11409
Bloomington, MN   55431-4434

Missouri Employers Mutual Insurance
Phone: (800) 442-0590
Address: 101 N Keene St
P.O. Box 11409
Columbia, MO   65201

Montana State Fund
Phone: (406) 495-5015
Address: 855 Front Street
P.O. Box 4759
Helena, MT   59604-4759

New Mexico Mutual Group
Phone: (505) 345-7260
Address: 3900 Singer Boulevard NE
P.O. Box 4759
Albuquerque, NM   87109

New York State Insurance Fund
Phone: (212) 312-7001
Address: 199 Church Street
P.O. Box 4759
New York, NY   10007

Workforce Safety and Insurance
Phone: (701) 328-3800
Address: 1600 East Century Avenue Suite 1
P.O. Box 4759
Bismarck, ND   58506-5585

Ohio Bureau of Workers Compensation
Phone: (800) 644-6292
Address: 30 West Spring Street
P.O. Box 4759
Columbus, OH   43215-2256

CompSource Mutual Insurance Company
Phone: (405) 232-7663
Address: 1901 North Walnut Ave.
P.O. Box 53505
Oklahoma City, OK   73152-3505

State Accident Insurance Fund (SAIF)
Phone: (503) 373-8000
Address: 400 High Street SE
P.O. Box 53505
Salem, OR   97312-1000

Pennsylvania State Workers Insurance Fund
Phone: (570) 963-4635
Address: 100 Lackawanna Avenue
P.O. Box 5100
Scranton, PA   18505-5100

Beacon Mutual Insurance Company
Phone: (401) 825-2667
Address: One Beacon Centre
P.O. Box 5100
Warwick, RI   02886-1378

South Carolina State Accident Fund
Phone: (803) 896-5800
Address: P.O. Box 102100
P.O. Box 5100
Columbia, SC   29221-5000

Texas Mutual Insurance Company
Phone: (800) 859-5995
Address: 6210 East Highway 290
P.O. Box 5100
Austin, TX   78723-1098

Workers Compensation Fund
Phone: (800) 446-2667
Address: 100 West Towne Ridge Parkway
P.O. Box 2227
Sandy, UT   84070

Washington Department of Labor and Industries
Phone: (360) 902-5800
Address: P.O. Box 44001
P.O. Box 2227
Olympia, WA   98504-4001

Wyoming Division of Workers Safety & Compensation
Phone: (307) 777-7159
Address: Cheyenne Business Center
1510 East Pershing Boulevard
Cheyenne, WY   82002

Workers Compensation Board - Alberta
Phone: (780) 498-3999
Address: 9925-107 Street
P.O. Box 2415
Edmonton, AB   T5J 2S5

Workers Compensation Board of British Columbia (WORKSAFEBC)
Phone: (604) 273-2266
Address: P.O. Box 5350 Station Terminal
P.O. Box 2415
Vancouver, BC   V6B 5L5

Manitoba Workers Compensation Board
Phone: (204) 954-4321
Address: 333 Broadway
P.O. Box 2415
Winnipeg, MB   R3C 4W3

Phone: (506) 632-2200
Address: 1 Portland Street
P.O. Box 160
Saint John, NB   E2L 3X9

Workers Compensation Board of Nova Scotia
Phone: (902) 491-8999
Address: 5668 South Street
P.O. Box 1150
Halifax, NS   B3J 2Y2

Prince Edward Island Workers Compensation Board
Phone: (902) 368-5680
Address: 14 Weymouth Street
P.O. Box 1150
Charlottetown, PE   C1A 7L7

Saskatchewan Workers Compensation Board
Phone: (306) 787-4370
Address: 200 - 1881 Scarth Street
P.O. Box 1150
Regina, SK   S4P 4L1

Puerto Rico State Insurance Fund Corporation
Phone: (787) 793-5959
Address: G.P.O. Box 365028
P.O. Box 1150
San Juan, PR   00936-5028
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AASCIF Newsletter



Pinnacol Launches New Website Experience

Last December, Pinnacol updated its 7-year-old website with a brand-new version. The new site offers a dynamic, customer-centric user experience that promotes deeper engagement with key stakeholders (i.e., policyholders, agents, injured workers, providers, employees, and community). It aims to position Pinnacol Assurance as a leading workers’ compensation provider and an employer of choice, and to attract prospective policyholders.


Pinnacol’s Employee Giving Campaign Breaks Records in 2016

For more than 20 years, Pinnacol employees have given back to the community through the Employee Giving Campaign, a demonstration of Pinnacol’s ongoing commitment to helping those in need. In 2016, the campaign broke records, reaching 81 percent employee participation, a number that beat the previous year’s goal by more than 10 percent. The total amount raised for the community came to $229,620.

Amendment 69 Defeated
The ballot initiative designed to establish a statewide program to provide universal healthcare coverage and finance healthcare services for Colorado residents was defeated last November, with a resounding 80 percent of Coloradans voting against it. Pinnacol shared its message internally and across the state with stakeholders through speaking engagements, newspaper articles, social media posts, newsletters, and more. Pinnacol is relieved that Colorado’s stable and successful workers’ compensation system was left unharmed.



HEMIC Celebrates 20 Years of Proudly Taking Care of Hawaii
HEMIC’s 20th Anniversary campaign launched in January, marking two decades of dedicated service to the Hawai‘i business community and Hawai‘i workers, as the state’s only mutual insurance company.

To mark this milestone, HEMIC developed a special 20th anniversary logo to be used across its marketing. The year-long celebration will engage local leaders, Hawai‘i businesses, and workers in a series of events honoring HEMIC’s many long-term policyholders, loyal insurance agents, dedicated employees, and reinsurers. It will hold a charitable golf tournament in July and act as presenting sponsor of the Arthritis Foundation of Hawaii’s annual Walk to Cure Arthritis, with a goal of raising $20,000 for the local nonprofit.

HEMIC kicked off the year with a new television ad campaign in January, a significant departure from its humorous, award-winning ad campaigns of previous years. The uplifting and moving spot was crafted to showcase the positive impact of HEMIC’s work on local workers—recognizing that workplace injury can affect the injured party emotionally, financially, and socially, as well as physically.

HEMIC has commissioned original artwork from Native Hawaiian master and artist Keone Nunes. The traditional Hawaiian kākau artwork celebrates and embraces the company’s local identity and history, vision, and future. The artwork will be displayed in HEMIC’s offices and used across its branding throughout the year.

HEMIC Vice President Tammy Teixeira Wins Industry Leader Award
The HEMIC vice president of Agency Management & Service, Tammy Teixeira, has been chosen for an Industry Leader Award from Pacific Business News’ Women Who Mean Business (WWMB) program, which identifies exceptional business leaders in the Hawaii community. Ms. Teixeira is being honored for her long experience, expertise, mentorship, leadership, innovation, and compassion.

Ms. Teixeira is on the leading edge of innovative product development at HEMIC, recently spearheading an initiative to bring collectively bargained workers’ compensation insurance to local trade unions. With her in-depth knowledge of existing laws, she brought awareness of the money- and time-saving potential to local unions, developing entirely new programs tailored to their needs. These have resulted in significantly lower premiums, increased efficiency, and decreased time delays for treatment and care, and have largely eliminated the need for lawyers and lost income to workers, while providing quality medical care to trade workers in a timely fashion.

“Tammy has demonstrated powerful leadership, guiding our team to unprecedented success over the past several years, all while implementing a paradigm shift in the way we think about our business and our role in the community. She has guided our success with an unflinching dedication to improved customer service and improved service offerings for our customers,” says CEO Marty Welch.

Ms. Teixeira is an officer of the Hawaii Insurers Council. She oversees HEMIC’S products, policies and services to and through retail insurance agents, including additional coverages provided through HEMIC Insurance Managers, Inc. (a wholly owned subsidiary). She joined HEMIC in March 2013 with 25 years of workers’ compensation and commercial P&C insurance experience.



Leonard Announces Retirement in September 2017

John T. Leonard, the first and only president and CEO in the history of The MEMIC Group, has announced his intent to retire, effective September 2017. Leonard was recruited to help start the company in 1993, taking his position as president in the first few weeks of the fledgling operation. Under Leonard’s direction, the company grew from a line of credit loan and operating only in Maine to a company with assets of more than $1.2 billion and offices from Maine to Florida. Read the full press release here.

MEMIC Grows Senior Leadership Team

(Wiese, Coy)

MEMIC welcomes Thomas Wiese to the position of Vice President of Claims and Matthew Coy to the position of Senior Director, Information Technology. Wiese will oversee MEMIC’s Maine-based claim services and compliance as well as managed care services nationwide. Coy is responsible for maintenance and enhancement of MEMIC’s technology platforms and aligning delivery of information technology solutions that support MEMIC’s business goals.

MEMIC Promotes Three Senior Staff

(Fongemie, Sabatino, Abboud)

Workers' compensation specialist The MEMIC Group has announced the advancement of three senior staff. Eileen Moran Fongemie has been promoted to the position of Vice President of Finance and Assistant Treasurer. Deb Sabatino has assumed the position of Director, Human Resources and Chris Abboud has advanced to the role of Senior Underwriter.



Chesapeake Employers’ Insurance Company Creates Free Opioid Addiction Prevention Message Kit
Three out of every four injured workers are currently prescribed opioids after a workplace accident, according to the Workers’ Compensation Research Institute (WCRI). Even more alarming, as many as 35 percent of injured workers with chronic pain are addicted to their pain medication, according to the Journal of Addictive Diseases.

In Maryland, overdose deaths caused by prescription opioids continue to increase. From January through June 2016, 210 prescription opioid deaths were recorded in Maryland, a 10 percent increase over the first six months of 2015, according to the Maryland Department of Health and Mental Hygiene.

Thomas Phelan, president and CEO of Chesapeake Employers’ Insurance Company, believes it is important to tackle the issue of opioid drug abuse and addiction on all fronts, which includes helping employers promote the prevention message in their workplaces. That’s why Chesapeake Employers created the “STOPioid Drug Addiction Prevention Message Kit” for employers. The kit is free and includes:
•    Prevention awareness posters
•    Safety article, tip sheet, and flyer
•    Digital graphics

“Many injured workers are prescribed opioid painkillers to help with the pain they suffer after a serious injury,” explains Phelan. “The problem occurs when injured workers get addicted to these drugs.”

He continues: “Opioid addiction prevents workers from returning to gainful employment and adversely affects families and finances, and potentially harms children who find and use opioid medications meant for someone else. Furthermore, opioid addiction can lead to heroin use.”

Employers can order the free opioid addiction prevention message kit by emailing Chesapeake Employers at The digital version of the kit is available online at



MEM Awards First Safety Grants
The frequency of workers’ compensation claims continues to decline in Missouri, but Missouri Employers Mutual won’t stop until workplace injuries are eliminated. The Safety Fanatics at MEM awarded the company’s first ever safety grants to Missouri businesses this month to help them take the next step toward improving workplace safety.

All of MEM’s nearly 16,000 policyholders, regardless of premium size, are eligible for a safety grant. Successful applicants earn one-to-one matching grants up to $20,000 toward approved safety initiatives. MEM plans to award policyholders at least $1 million in safety grants over the next three years, and far more if they improve workplace safety as MEM anticipates. Policyholders are required to report on the success of the safety initiatives so MEM can help other businesses learn from their success.

Learn more about MEM’s safety grant program at

Recent Study Shows Three Out of Four Drivers Improve Driving With Collision Avoidance Technology
Missouri Employers Mutual partnered with the MU College of Engineering for groundbreaking research on the effect of collision avoidance technology (CAT) devices on drivers’ behavior. The research provides valuable insights about decreasing vehicle accidents, which are the number one cause of death on the job in the United States.

Phase one of the two-phase study involved a controlled test to study how drivers react to the technology. The study indicated that the technology did not cause added stress or distractions for the driver. In addition, driving improved for three out of four drivers after using a CAT device in their vehicles.

The data suggested that CAT systems that provide both audio and visual warnings are recommended over systems that provide only audio warnings. Less sophisticated systems generated more false positives that could cause drivers to turn off safety features. Results of phase one indicated Mobileye was the best among the CAT devices tested.

During phase two, the Mobileye CAT was tested in the real-world commercial setting using OATS, a passenger van service. Results showed that when alerts were active, warnings were reduced:

  • 43 percent for lane departures
  • 71 percent for following a vehicle too close
  • 57 percent for forward collisions

The full technical report of the CAT study is available at

Big Data, Big Opportunities: MEM CIO Discusses How Insurers Can Innovate
As big data reaches its inflection point, businesses are becoming more sophisticated in using the insights to create business value. MEM CIO Kevin Miller was featured in Insurance CIO Outlook on the topic of how big data in the insurance industry can lead to safer workplaces.

Learn more about big data in insurance and Miller’s take at



Workers’ Compensation Fraud Conference—First of Its Kind
Forty workers’ compensation fraud professionals from around the country gathered in Helena, Montana, in October 2016 for the Investigating Workers’ Compensation Fraud conference. The two-day event was sponsored by Montana State Fund.

According to Curtis Larsen, MSF’s Assistant General Counsel and Special Investigations Unit Director, the conference was the first of its kind.

“There are a number of conferences focused on property and casualty, medical and other consumer fraud issues, but there are never conferences targeted specifically for workers’ compensation fraud. We organized this event so work comp fraud professionals had a forum to discuss issues unique to their profession,” said Larsen.

The conference speakers delved into all aspects of employer, employee, and medical provider workers’ compensation fraud. The presentations included creating effective fraud units, the key elements for successful fraud prosecution, detecting suspicious medical claims, tips to evaluate claims records, and the latest tools for surveillance.

In the end, the group is hopeful this conference will be the impetus to further the dialogue and education necessary to assist fraud professionals to effectively and ethically protect all workers’ compensation stakeholders from fraudulent activity.

Policy and Billing Replacement Project Underway
2017 marks the second year of a multiyear project to replace MSF’s Policyholder System. As this 20-year old system continues to age, we are increasingly challenged to provide the customer service functions and stakeholder access regularly demanded of modern service applications.

Initial research began in 2014 with lengthy interviews of several insurance carriers who recently replaced or were in the midst of replacing a policyholder system. MSF gained valuable lessons learned from these peer discussions to help inform our project groundwork and planning assumptions. Last year, the project team documented system requirements on all topics affecting a policy--everything from administration to safety services. Implementation of the new system will begin in late 2017. The investment of this size will continue through 2019.



BWC Prescribing Rules, Educational Materials Address Dangers of Opioid Addiction, Dependence
BWC administrator/CEO Sarah Morrison weighed in on the opioid crisis in a letter to the editor that appeared in the Wall Street Journal late last year. Ohio measures to provide oversight in the area of opioid prescribing are “essential to balancing the appropriate care required for recovery and overprescribing that endangers the health of injured workers,” wrote Morrison. Read the entire letter here.

Additionally, BWC has collaborated with several organizations to develop fact sheets to help providers, employers, and injured workers to better understand the potential risks of opioid overuse.

The fact sheets are:

Workplace Injuries Down in Ohio
Ohio is outpacing the nation in the decline of workplace injuries, according to a report published by BWC’s Division of Safety and Hygiene.

The report shows a 16.7 percent decrease in the rate of private sector injuries in the BWC system between calendar years 2010 and 2014. The Bureau of Labor Statistics Survey of Occupational Injuries and Illnesses shows the rest of the nation experienced an 8.6 percent drop over the same time period. During that period, total injuries in Ohio's BWC system dropped from 105,568 to 95,802, a decrease made more significant considering a 7.5 percent growth in employment during the same time period.

The report also shows an additional 4 percent drop in injuries in 2015 alone.

"Ohio is becoming a leader in the workers' comp industry with an impressive offering of workplace safety programs and services, and the state is now exceeding the national trend of declining injuries," said BWC administrator/CEO Sarah Morrison.

BWC’s Division of Safety and Hygiene has significantly improved and expanded its operations over the past five years. Visit to learn about safety programs and services.

Study: BWC Rates 11th Lowest in U.S.
Ohio’s standing in the Oregon Study has continually improved since its rates were ranked third highest in the nation in 2008. The latest study shows Ohio’s rates improved from 33rd in 2014 to 40th, making the Buckeye state the 11th lowest among all states.

“A steady decline in rates is one more indicator that BWC is doing its part to promote economic growth in Ohio,” said BWC Administrator/CEO Sarah Morrison.

The study shows Ohio collects an average of $1.45 in workers’ compensation premiums per every $100 of payroll, compared to a national median rate of $1.84. The study does not factor in various money-saving programs and rate reductions the BWC board has passed since 2014, however. When those are factored in, the rate drops to $1.22 per every $100 of payroll.



SAIF Gets Oregonians Walking Like Penguins
With many parts of the state facing one of the biggest snowstorms on record this January, SAIF reminded Oregonians to “walk like a penguin.”

The short, sharable video showed how to safely walk in snow and ice and was viewed more than 10,000 times.

2017 Calendar Dedicated to Oregon Agriculture Industry
In honor of the more than 300,000 Oregonians who work in agriculture, SAIF’s 2017 calendar focuses on the fact that “good things grow in Oregon.”

Each month features one of our policyholders who has shown a dedication to the agriculture industry as well as the safety and health of its employees.

The calendar went to more than 50,000 policyholders, employees, and other stakeholders in December. 

Safe and Healthy Starts Here
SAIF released a new video this January highlighting many of the ways SAIF employees stay safe and healthy.

The video shows SAIF employees at our best: counting steps on outdoor walks and runs, playing games with colleagues during break time, collaborating on balance sheets and in meetings, and spending time with family.

It's all part of what makes SAIF a leader in Oregon and shows how SAIF is playing a role in making Oregon the safest and healthiest place to work. 

Safe and Healthy Workplace Center
In the fall, SAIF formally changed the name of our loss control program to the Safe and Healthy Workplace Center. The change is to better reflect our commitment to safety and health, and to address the fact that many people associate “loss control” with theft prevention. 

“With this new name, we’re choosing to put our focus on the workplace—a special place where people spend a huge portion of their lives,” said Kerry Barnett, president and CEO at SAIF. “These days, people don’t just work at office buildings, jobsites, factories, and farms. They also work at home and in coffee shops, and they stay connected to work wherever they go.”

The center will have three areas of focus:

  • Safety and health services
  • Collaborative partnerships
  • Safety advancement and innovation

Pure Premium Decreases for Fourth Straight Year
The state Department of Consumer and Business Services (DCBS) announced that the pure premium rate for Oregon employers will drop by 6.6 percent in 2017.

This is the fourth year in a row that the pure premium has decreased, and the eighth year in the past decade.



Saskatchewan WCB to Adopt Rate Model Changes in 2018
In January 2018, the Saskatchewan WCB will begin the process of adopting changes to its rate model. The current rate model has been in place since 1998.

An independent actuary (Eckler) recommended a review of the rate model following a 2015 asset liability study. Eckler made recommendations in its 2016 review.

These changes enhance the current rate model. Of Saskatchewan’s 48,357 registered employers, it is expected that:

  • 5,658 employers in four industry rate codes will see no change in their premium rates.
  • 27,755 employers in 31 codes will see a decrease in their premium rates.
  • 10,158 employers in 11 rate codes will see an increase of less than 10.5 percent in their premium rates.
  • 4,786 employers in four rate codes will see an increase of more than 10.5 percent in their premium rates.

The WCB hosted sessions around the province in November and December 2016 to educate employers on the rate model and introduce the recommended changes. The education sessions gave employers the opportunity to ask the WCB executive questions about the rate model and rate setting.

From February 27 to March 8, the WCB is holding industry-specific education sessions and webinars to share the impacts of the enhanced rate model and provide opportunity for employers to give feedback on the transition. 

To learn more about the recommendations, visit

Saskatchewan WCB Celebrates 20 Years of Compensation Institute
The Saskatchewan WCB will host the 20th annual Compensation Institute on March 20 and 21 in Saskatoon. The free educational conference is a platform for the WCB to encourage dialogue with its customers--employers, injured workers, and health care providers--and to provide learning opportunities.

This year’s focus is Safety & Prevention--How to transform your workplace. Guest speakers from Canada, the United States, and Germany will speak on safety and prevention, claims management, and return to work. In addition to providing informative sessions on safety and change in the workplace, the WCB will also provide information on its rate model changes. WorkSafe Saskatchewan will present the Saskatchewan Safe Worker and Safe Employer awards.

If you are interested in learning more about the conference, visit



New e-Learning Tool for Policyholders
Texas Mutual recently launched a new learning management system for policyholders, called e-Learning. Through e-Learning, employers can assign safety training courses from our new course catalog containing 200 modern videos accompanied by quizzes. They also have the ability to post training announcements, view scores, and check completion statuses.

e-Learning also offers free recordkeeping for all courses completed through the system for as long as the user is a Texas Mutual policyholder. This can assist with fulfilling OSHA reporting requirements as well as maintaining their company's own training records.

This new system was released in conjunction with a new online Safety Resource Center dashboard that features user-friendly charts for injury analysis, recommended resources based on losses and industry, and more.

Safety in a Box Wins Innovation and Workers’ Comp Industry Awards
Texas Mutual was recently recognized with two industry awards for its virtual reality safety training app, Safety in a Box. The first was the SMA Innovation in Action Award, which recognizes insurers who are rethinking, reimagining, and reinventing the business of insurance, followed by WorkCompCentral’s Comp Laude Award, which recognizes high achievement in the compensation industry.

Safety in a Box gives viewers a first-hand experience of encountering the dangers of a construction site. It features live-action video of four dangerous scenarios, including an electrocution, a trench collapse, a fall from a high construction site, and a cinder block falling from above.

Safety in a Box is available for free on the Google Play and Apple App Store and can be used with any VR headset, such as Google Cardboard. A number of policyholders in the construction industry received a customized Safety in a Box Google Cardboard set and have used it among workers to raise awareness of the dangers of a worksite in a more realistic way than ever before.

Texas Mutual Celebrates 25 years
In January, Texas Mutual celebrated 25 years of serving employers and keeping Texas’ workforce safe. The company has evolved a great deal over the years, from writing our first policy as the Texas Workers’ Compensation Fund in 1992, to now providing coverage to more than 64,000 policyholders and 1.4 million workers across Texas.



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