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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Latest Newsletter


Pinnacol Issues $50M in General Dividends to Colorado Employers
For the third year in a row, Pinnacol is distributing general dividend checks to policyholders in every county in the state. With a $50 million dividend, the average check per policyholder is $944, slightly up from 2017. More than 94 percent of Pinnacol policyholders qualify for a check based on their commitment to the safety and wellbeing of their employees. That’s nearly 53,000 Colorado employers.

Pinnacol Assurance Adds Three Board Members
Pinnacol Assurance welcomes Fiona Arnold, Brad Busse, and Bill Lindsay to its board of directors for the term that began January 1, 2018. All three were confirmed unanimously by the Colorado Senate after appointment by Governor John Hickenlooper.

Pinnacol Was a Force for Good in 2017
Our job is all about protecting the health and safety of people on the job, and that sense of caring extends to the communities where we live and work. We donate time, money, and support through grants, sponsorships, our employee volunteer program, and the Pinnacol Foundation's scholarship program.
Learn how Pinnacol was a Force for Good in 2017.



MEMIC Launches New with Multilingual Resources
The MEMIC Group has launched the redesigned website to address the needs of an increasingly diverse workforce within its home state of Maine and its policyholders across the country. Those injured on the job will be able to navigate MEMIC’s resources to aid their recovery and return to work in Spanish, French, Creole, and English. In addition, the new is designed to be ADA compliant, improving access for people who have difficulty viewing, hearing, or interacting with website content.

Maine’s Rate Decrease: A Testament to Workers’ Comp Reforms
Beginning on April 1, Maine employers now pay on average 12 percent less in rates than the previous year. This is the largest rate reduction in more than 20 years and represents a cumulative decrease of about 60% since MEMIC’s inception 25 years ago. “I think the hard-won compromises to fix the system 25 years ago have proven their value to all concerned,” said president and CEO Michael Bourque. “We look forward to continuing our mission to provide workplace safety service and fair treatment of all workers, and to support a strong economy.”

ACORD Ranks MEMIC a Top Workers' Comp Company
ACORD, the global standards-setting body for the insurance industry, announced a new study recognizing The MEMIC Group as the top workers' compensation company in the United States based on strong financial performance as well as measurable, superior capabilities in customer experience, employee satisfaction, and brand reputation. Read the article.

MEMIC Promotes Carmody and Cavallaro
The MEMIC Group has announced the promotion of Michael Carmody to the position of claims director of the Northeast Region, which includes MEMIC’s New Hampshire, Connecticut, and New York offices. To support growth within the Georgia market, The MEMIC Group promoted Ben Cavallaro to the position of production underwriter.

MEMIC Promotes Vinas and Hires Bialek
The MEMIC Group has announced the promotion of Adelin Vinas to the position of claims director of the Atlantic Region, which includes MEMIC’s Florida, Virginia, Pennsylvania, and New Jersey offices. To support continued growth within the New York market, The MEMIC Group hired Tammy Bialek as senior production underwriter.

MEMIC Celebrates 25-Year Anniversary
MEMIC first opened its doors in January 1993 and plans to celebrate a variety of milestones throughout 2018, a quarter century after the near-collapse of Maine’s workers’ compensation market in the early 1990s. An editorial by president and CEO Michael Bourque gave an overview of the company’s history in the Portland Press Herald. Bourque was also interviewed by Independent Agent Magazine in October about the state of the workers’ comp market.

MEMIC Employees Choose Charitable Donations
At its year-end holiday celebration, The MEMIC Group announced that all of their employees could each direct $100 to a 501c3 charity “that captures their hearts” as part of the kickoff to the company’s 25th anniversary. MEMIC employs more than 400 workers’ comp experts from Maine to Florida. Read the full release.

MEMIC Leads in Advancing Workers’ Compensation Professionals
More than 60 employees of The MEMIC Group received their Workers' Compensation Professional (WCP®) diplomas at the American Society of Workers' Compensation Professionals (AmCOMP) Annual Fall Meeting in New York City on September 14. Joining designees from previous years, including 43 in 2016, The MEMIC Group has more employees with their WCP® designation than any other company in both percentage and in total numbers. Read the full release.



Chesapeake Employers Insurance Declares $20 Million Corporate Dividend

The board of directors of the Chesapeake Employers’ Insurance Company is pleased to declare a $20 million corporate dividend to qualifying policyholders who have contributed to the company’s financial success. Ten million dollars a year will be paid out over two consecutive years beginning with July 1, 2018, renewal quotes.

“Those who will receive a dividend are qualifying policyholders whose loss ratio proves they are committed to workplace safety, preventing injuries, and helping employees return to work,” said Chesapeake Employers’ president and CEO, Tom Phelan. “More than 20,000 Maryland policyholders will receive a portion of the $10 million dividend for their 2017 performance. Their commitment to safety has contributed to our success, and we’re delighted to share our success with them. After all, keeping workers safe on the job and preventing accidents is worth rewarding.”


Dividends are based on performance and are not guaranteed. The corporate dividend was approved by the Maryland Insurance Administration.

Chesapeake Employers Insurance Receives High Financial Rating
A.M. Best Co.
has reaffirmed a financial strength rating of A- (Excellent) and an issuer credit rating of “a-” for Chesapeake Employers’ Insurance Company as of March 22, 2018. The outlook assigned by A.M. Best to both ratings is stable.

“I am thankful for the vision and guidance of our Board of Directors, said Tom Phelan, president and CEO of Chesapeake Employers Insurance. “Since becoming a private company in 2013, Chesapeake Employers Insurance has earned a financial strength rating of A- (Excellent) from A.M. Best Co. each year.” I am very proud of our company. My co-workers at Chesapeake Employers deserve the credit for our continued success. We have a dedicated team of professionals that is committed to the Maryland business community, our agents, policyholders, and injured workers. I am proud to be part of a great team. We continue to strive to provide great customer service and assist the injured workers’ return to productive lives while running a strong financial organization.”



SFM Foundation Celebrates 10th Anniversary
SFM Foundation marks an important milestone this year, celebrating a decade of service to families whose lives have been impacted by workplace injuries.

In its first 10 years, the Foundation has provided post-secondary scholarships for 129 students whose parents were severely injured or killed on the job. Scholarships awarded by the Foundation to date total $1.4 million.

SFM Foundation began in 2008, with a group of employees of SFM Mutual Insurance looking for a way to ease the burdens on families affected by workplace accidents. In its first year, organizers established a scholarship program and held a golf tournament to raise funds for qualified applicants. The golf event was planned and staffed exclusively by volunteers and supported entirely by donations from sponsors. The event was an immediate success, setting the tone for what has become an annual tradition.

“When we first got started, we were looking for a way to help students overcome financial barriers standing in the way of their goals,” said SFM Foundation President Dave Kaiser. “Ten years down the road, we’re making a real difference for these families and helping students achieve their dreams.”

Since that first summer, the Minnesota “Golfing for Scholarships” event has grown into one of the top charity golf events in the state, typically selling out well in advance. The Foundation has since added a second annual golf event in Iowa. Fundraising now continues throughout the year, with growing support from throughout the workers’ compensation community.

“The success of the Foundation has exceeded our wildest expectations,” said Dave Kaiser. “It’s been an honor and a privilege to help these families throughout the years, and we look forward to helping many more in the future.”

About the SFM Foundation
The SFM Foundation was created in 2008 by SFM Companies, a regional workers’ compensation insurer headquartered in Bloomington, Minnesota. While SFM remains a major sponsor of the Foundation, the vast majority of scholarships are awarded to the families of injured workers who are insured by other carriers. The Foundation currently operates in Minnesota, Iowa, and Wisconsin. For more information, visit

SFM Foundation is an affiliate of Kids’ Chance of America in Iowa and Minnesota. Kids’ Chance is a national nonprofit that creates, assists, and supports organizations across the United States that provide educational opportunities and scholarships to the children of workers who were seriously injured or killed on the job. For more information, visit



New Policy and Billing System
In August 2017, Montana State Fund (MSF) launched a project to implement Guidewire’s PolicyCenter, BillingCenter, ProducerEngage, and CustomerEngage Portals. These components of Guidewire are being added to ClaimCenter, which MSF implemented in 2005.

With the new policy and billing system, MSF will serve our agents and policyholders in a way that supports their needs by providing access to information more efficiently. Agents will have the ability to go online, obtain a quote, submit an application, and, in some cases, issue the policy while their customer is sitting right there with them. Our goal is to equip our agents and policyholders with the right information at the right time to meet their needs.

In addition to implementing the new software, MSF is taking advantage of this opportunity to review many of our business practices via industry research. We are reaching out to our agency partners, sister funds, and national carriers to analyze how we interact with our agents and policyholders and where we can make changes to our current practices to align with the industry and make our processes work better for our agents and customers. Our continual focus is on enhancing the customer experience via design of the system to support ease of doing business with MSF.

The project will be a multiyear effort, conducted in phases, with the initial implementation planned for late 2019.

Medical Conference Slated
MSF will host its 18th annual medical conference in Helena from Thursday, May 31 through Friday, June 1, 2018. The theme for this year’s event is “Evidence Based Medicine: New Opportunities to Improve Outcomes.” Topics at the one-and-a-half-day conference include Lumbar Fusion in Workers' Compensation; Hot Clinical Topics: CRPS, PTSD, Concussion; The Ethical Dilemma: Patient Advocacy and Medical Science; Epidemiology in the Courtroom; and more.

Continuing Medical Education (CME) and other continuing education credits are available. The event is open to the public. Legal, medical, and workers’ compensation claims professionals are encouraged to attend. Anyone interested can find out more details at



Doug Jones Appointed WorkSafeNB’s New President and CEO
Doug Jones has been appointed WorkSafe NB’s new president and CEO. Jones has more than 20 years of leadership experience in both the public and private sectors, most recently serving as deputy city manager for the city of Edmonton. Previously, he was a senior vice-president with Canada Post and held a number of progressively senior executive roles with Lafarge North America in both Canada and the United States.

“We look forward to Mr. Jones joining WorkSafeNB at such a pivotal point in our 100-year history. His vision, leadership and expertise will guide us as we build on our strengths and successes during this transformative period and our continued commitment to better serve New Brunswickers,” said Dorine Pirie, chair of WorkSafeNB’s board of directors. “His previous experience demonstrates his ability to lead teams and work collaboratively with diverse groups of stakeholders, skills we believe are vital for the CEO position.”

Jones began his five-year term on March 26, 2018. He succeeds Gerard Adams, who served as president and chief executive officer from 2012 to 2016. The position of president and CEO of WorkSafeNB had been covered on an acting basis since October 31, 2016, by Tim Petersen, WorkSafeNB’s vice-president of Corporate Services.



BWC’s New Safety Campaign
BWC kicked off a new safety campaign in March to make Ohioans think about their own behavior when it comes to safety. The safety campaign asks, “If you don't care about your safety, who will?"

The goal of the campaign, announced last year as part of our $44 million safety pledge, is to educate all Ohioans on ways to avoid slips, trips, falls, overexertions, and driving related accidents, which cause more than 60 percent of workplace disabling injuries.

The humorous TV spot and online videos with short safety messages are available on BWC’s YouTube channel.

Opioid Dependence Among Injured Workers Continues to Fall
BWC has another update on its work to reduce opioid abuse and misuse in Ohio’s workers’ compensation system: the number of opioid-dependent injured workers fell another 19 percent in 2017.

BWC pharmacy director Nick Trego reported the number of injured workers who met or exceeded the threshold of being clinically dependent on opioids fell to 3,315 at the end of fiscal year 2017. That’s a 19-percent drop from 2016 and a 59-percent decrease since 2011.

“That means 4,714 fewer injured workers at risk for opioid addiction, overdose and death than in 2011,” said Trego.

BWC Expands Grant Program for Firefighter Safety
Due to heavy demand, BWC recently expanded funding for a new grant program aimed at protecting firefighters from carcinogens and other toxins that cause long-term health ailments.

BWC had originally allotted $2 million this year for its Firefighter Exposure to Environmental Elements Grant Program, but as of February, BWC had received 444 grant applications seeking nearly $4.7 million in funding.

“When we call firefighters for help, they’re at our door as fast as humanly possible,” said BWC administrator/CEO Sarah Morrison. “It’s only right that we do the same when they need equipment critical to their health and safety. We want every qualifying fire department that applies for these grants to get their funds as soon as possible.”

From left, Deputy Chief Ohio State Fire Marshal Bill Spurgeon, Genoa Township Fire Chief Gary Honeycutt, and BWC Administrator/CEO Sarah Morrison.

Private Employer Rates Will Fall 12 Percent
Already at a 40-year low, workers’ compensation premium rates for Ohio private employers will fall an additional 12 percent beginning July 1.

The cut will save private employers $163.5 million over this year’s premiums.

BWC administrator/CEO Sarah Morrison attributes the agency’s ability to reduce rates to many factors, including slow growth in medical inflation, fewer claims, a changing workforce, and safer workplaces.

BWC Introduces New Wellness Program
BWC rolled out a new free wellness program on February 1 called Better You, Better Ohio! The program offers a variety of resources to help workers track their diets, quit smoking, get in shape, and manage chronic diseases, such as obesity and diabetes.

The program targets workers at small Ohio employers (50 or fewer workers) in industries that experience higher injury rates on average than others.

Employees approved through a registration process receive a $75 gift card after undergoing a health risk assessment and biometric screening. Participants will then have access to digital coaching, educational materials, wellness tracking tools, a mobile app, and other resources.

Read more about Better You, Better Ohio!



SAIF Renovation Wraps Up First Phase
This month, employees at our headquarters in Salem are moving into a fully renovated building after two years of construction. The renovation was needed to bring the building up to current codes and standards, and we are proud to share that the project was finished on time and on budget. A second building on our campus will receive additional updates, including health and wellness facilities to support our efforts in Total Worker Health. The full project will be completed in 2019.

Workplace Guidance for Distracted Driving
Just in time for distracted driving month, SAIF released guidance to employers on how they can help reduced motor vehicle accidents caused by distracted driving.

“I know I’m legally not supposed to check my phone while I’m driving,” said Leigh Manning, senior safety management consultant at SAIF. “But if my boss called, and I didn’t know what the expectations were, I would be tempted to pick up.”

SAIF also released a video to remind employers to set expectations about safe driving.

Cooking Up Kitchen Safety Content
The restaurant industry has among the highest number of injuries per employee in Oregon. To help address safety hazards, SAIF released "Kitchen Safety Showdown," a video series featuring two chefs squaring off on safety precautions in the kitchen. The video is available in English and Spanish.

More information can be found at

Hosting Agents at Oregon’s Workers’ Comp Seminar
In April, we hosted more than 180 people at the Workers’ Compensation Insurance Seminar. Attendees received information on several topics, including the state of SAIF, building relationships, workers' comp law, and workplace violence.



Saskatchewan WCB Releases 2017 Operating Results

  • WCB remains fully funded at 117.8 percent.
  • Record number of Saskatchewan workers covered—423,527.
  • Time-loss injury rate remains constant at 1.86.
  • 88 percent of Saskatchewan employers achieved Mission: Zero.

The Saskatchewan Workers’ Compensation Board (WCB)’s 2017 Annual Report was recently tabled in the Saskatchewan legislature. The report indicated that the WCB remains fully funded with the ability to cover claims costs.

The past year marked the second year in a row that 88 percent of Saskatchewan employers achieved zero injuries. The total injury rate in Saskatchewan continues to fall. The total injury rate dropped from 5.55 in 2016 to 5.25 in 2017. Over the last decade, the total injury rate in the province has decreased by 48.6 percent.

The 2017 time-loss injury rate per 100 workers remained the same as 2017 at 1.86. The WCB is concerned with the leveling off of the time loss injury rate, the first year in the past 14 years that it has not seen a reduction in this metric. Saskatchewan had the third highest time-loss injury rate in Canada in 2016, according to the Association of Workers’ Compensation Boards in Canada (AWCBC).

Unfortunately, there were 27 workplace fatalities in Saskatchewan in 2017. While the number of 2017 fatalities decreased from 31 fatalities in 2016, this number is still critically high. It is unacceptable for anyone to lose their life or get injured at work.

The WCB will continue working with employers, workers, and partners until zero injuries in Saskatchewan is achieved.

The WCB will provide details of its 2017 performance at the AGM scheduled for May 2 and 3.

Saskatchewan WCB’s Annual Compensation Institute Brings Workplace Issues to the Forefront
Each year, the WCB holds Compensation Institute—a free, interactive conference to learn from and educate Saskatchewan workers and employers on the province’s compensation system and to address current workplace health and safety issues. The Saskatchewan WCB is the only WCB in Canada that holds a free event like this.

The 21st annual event was recently held in Regina, Saskatchewan. It featured several world-class guest speakers. Each year, the topics are determined by attendee feedback. More than 440 people attended the two-day conference in 2018.

As the workforce continues to change in Saskatchewan, new challenges also arise. This year, the WCB explored issues such as workplace preparations for the 2018 legalization of cannabis in Canada, the key elements of a violence prevention program, and awareness of mental health safety issues and how to deal with them.

In March 2018, WorkSafe Saskatchewan, a partnership between the WCB and the Ministry of Labour Relations and Workplace Safety, launched a psychological health section on its website that includes available resources to help promote a psychologically healthy workplace. It can be accessed at



New Name, Same Owners
Utah’s legislature passed Workers’ Compensation Fund Revisions–SB 192 in February 2017. The bill outlined the process for WCF to separate from state control, by repealing its enabling legislation and becoming a mutual insurance corporation, beginning January 1, 2018.

 This bill was the last legislative step in a multiyear process of transitioning WCF to a mutual insurance corporation that is wholly owned by its policyholders. This step in WCF’s evolution is important because it now gives WCF the flexibility to evolve in ways that were not possible with the statutory limitations that existed in the past.

 Because of the change in legislation, WCF is legally required to incorporate the word “mutual” in the company name. Our new name as of January 1, 2018, is WCF Mutual Insurance Company. We will continue doing business as WCF Insurance.




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