American Association of State Compensation insurance Fund
Canada and USAFind a Member
North America Map Yukon British Columbia Alberta Saskatchewan Manitoba Ontario New Brunswick Prince Edward Island Nova Scotia Maine Washington Oregon Idaho Montana Wyoming North Dakota Minnesota New York Rhode Island California Utah Colorado Missouri Kentucky Ohio Pennsylvania Maryland Arizona New Mexico Oklahoma Texas Louisiana South Carolina Hawaii

Magnifying GlassSelect a state or province from the map above to get primary contact and web information for any
member fund.

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
Tools for Members

Member Home

Member Connection: A member-only forum where you can post questions and ideas.

Stat Book: A highly functional analytical tool that provides valuable comparative benchmarking results from among our members who participate.

Online Directory: Get connected with your counterparts through this comprehensive list of AASCIF members with updated phone number, email and website information.

Associate Member Lookup

AASCIF Newsletter

Pinnacol CEO Gives the Inside Scoop on New Digital Startup

By Kendra DePaul, WPC, Other States Coverage Manager, Ohio BWC

We continue to hear about the coming disruptions in workers’ compensation. Buzzwords like “artificial intelligence” and “big data” are in every article predicting future industry trends. And most of us are looking for ways to incorporate new technology into our businesses.

Pinnacol Assurance, Colorado’s largest workers’ compensation insurer, has embraced the disruption and recently launched an innovative new digital startup called Cake.

Cake is a digital platform that is radically changing how small businesses purchase and manage their workers’ comp insurance. Cake allows small businesses that come directly to Pinnacol (i.e., not through an agent) to apply for coverage, get a quote, and purchase coverage quickly (in just five minutes) with no human interaction required. The Cake experience is designed for mobile devices, and Cake customers can also manage policy documents and payments anywhere, generate and share certificates of insurance via email or text, and get on-demand customer support. Because of its digital-first design, virtually all paperwork and physical signatures are history.

To learn about Cake, I interviewed Pinnacol CEO Phil Kalin.

Kendra: Phil, it seems that things have been going well in Colorado in recent years, with Pinnacol writing about 59 percent of the state market. Given this success, what made you want to create this new option for small businesses?

Phil: 2017 was a wakeup call for our industry. As “insurtech” rapidly shifted from buzzword to reality, many carriers have raced to figure out how to bring the creativity and agility of these new startups to their mature businesses. And Pinnacol is no exception.  As a 100-year-old carrier, we’ve definitely leaned in to this digital revolution.

For years, we’ve been tracking the evolving needs of certain customer segments, who increasingly demand a more modern, “Amazon-like” approach to their purchases—insurance included. To harness the opportunity to keep and expand our market share, we had to change our business model and deliver a product in line with the needs and expectations of small businesses.

Kendra: You have mentioned that one of the reasons for the innovation is the predicted uptick in millennial business owners. What makes this group of policyholders unique in their insurance needs?

Phil: In general, millennials demand services that are quick and convenient. They are comfortable, and frequently prefer, purchasing insurance and other products strictly self-service without the need to pick up the phone.

Millennials also represent an increasing share of small business owners, especially in Colorado. Industry experts agree that by 2020, 60 percent of small businesses will be owned by millennials and Gen Xers, and that an increasing share of commercial insurance will be purchased through digital channels. In a 2017 survey of small businesses that expect to switch insurance providers in the next five years, 48 percent say they’d prefer to buy online, and 65 percent say they are quite, or very likely, to do so in the future.

Kendra: There is so much digital information available today. How was information used in creating Cake?

Phil: We live in a world of endless data, and for most employers, demographic and exposure information can be verified through third-party data and artificial intelligence. This eliminates the need to ask employers endless questions during the application process. Cake asks employers just 12 or 13 questions and then can provide a quote and issue a policy within three to five minutes. This can be done because Pinnacol developed a way to gather information about companies from the web and use external data to evaluate potential risk for workplace injuries.

Kendra: It seems that many carriers are looking to use artificial intelligence to assist with underwriting and reduce costs. Has Pinnacol seen any positive results in this area since the introduction of Cake?

Phil: Given that workers’ compensation tends to have a long tail, it will be several years before we can evaluate underwriting results. But the great thing about data is that as more employers use Cake, we will have more information to verify that our model for predicting future cost is working as intended. As we get better at using the data, we believe we will be able to reduce our loss ratio.

Kendra: Cake officially launched in October 2017. What has been policyholder feedback to date?

Phil: We have seen immediate positive feedback from our customers, and new customer acquisition has exceeded our expectations. Cake currently has hundreds of customers and is exceeding revenue projections by 140 percent. We’ve collected a trove of positive comments and testimonials from Cake’s new customers, and, suffice it to say, there are lots of exclamation points. We’re really looking forward to seeing Cake take off in 2018.

Watch a new video about Cake.



Home | Contact | Site Map