American Association of State Compensation insurance Fund
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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
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Latest Newsletter

Legacy Companies vs. Technology

By Stephanie Saavedra, Vice President – Premium Audit, State Compensation Insurance Fund

Workers’ Compensation has long been viewed as an insurance product mired in regulation and nuances that keep it from being coverage that can be obtained via a simple online portal like individuals can easily can use to procure auto insurance in this day and age.The current buzz in the industry, however,points toward a change in that mentality, and indeed, online workers’ comp options are now available through a handful of private carriers either directly or through online quote comparison aggregators. Many insurers seem to recognize that the tide is changing; however, the Insurance Thought Leadership group assessed 2018 as a year of talking but not a lot of doing (1-ITL).It is clear that customers want to do business with those that make it easy for them, so why is change in the workers’ compensation arena so slow?

The calculation for workers’ compensation insurance premiums tends to be complicated and represents one of the largest perceived barriers to making obtaining such insurance easy.The California worker’s compensation laws are possibly the most complex in the country.Insurance premiums are charged per $100 of payroll, and rates are defined by over 400 classification codes (2-WCIRB).A multi-page article could be written on California laws and classification complexity, which is not necessarily unique, as each state’s compensation systems differ as do the laws pertinent to the jurisdiction where the worker happens to be at the time of injury.The point here is that carriers want to ensure that they are collecting the proper premiums for exposure and verifying that exposure is more difficult than an auto insurance policy.Or is it?

Another barrier for legacy carriers is technology backlog, which generally requires a significant investment of resources (both time and money) to overcome.How can they move forward with progressive innovation when they are burdened with the need to update and/or replace core systems?

When legacy carriers begin investing resources in core systems and trying to catch up with the rapid pace of change in the marketplace, they often experience change fatigue, which can have a significant impact on employee turnover and morale. So how do they manage change in a way that balances innovation with what employees can handle, especially when they still have so many changes ahead?

While innovative movement might be slow for some legacy carriers, others are moving forward with new strategies and options in spite of the challenges mentioned.CAKE is a great example of innovation in the workers’ comp space and was the subject of a Policyholder Service’s Committee newsletter article in 2018.CAKE is associated with Pinnacol Assurance, Colorado’s largest workers’ compensation insurance carrier, and is a customer-facing portal for writing new workers’ compensation policies.Through the use of artificial intelligence and third-party data, CAKE found a way to narrow the number of questions that potential customers have to answer to obtain a policy down to approximately 12 or 13.From there, customers can receive a quote and obtain a policy within 3 to 5 minutes.

Huckleberry is another online workers’ compensation insurance platform that offers a similar quick quote and bind process.Huckleberry, which launched into the California market in early 2018, uses external databases to autofill some of the application questions after shoppers enter their company website domain (3-Huckleberry).A visit to Huckleberry’s website offers a glimpse into a customer experience, which on the surface, seems to be completely centered on making workers’ compensation as simple as possible for its customers.

Sooner rather than later, customers will expect purchasing a workers’ compensation insurance policy to be quick and easy. Carriers in the market will have to evolve to meet customer demands, or they will surely see the impacts on their bottom line and shrinking market share.Data shows that by 2020, Millennials will make up 50% of the workplace.Gallup research says “Millennials are first-generation digital natives who feel at home on the Internet.” (4-Key statistics).

With all of these barriers, legacy carriers are trying to strategize and evaluate the risk associated with allowing other carriers to charge forward while they might seemingly be standing still when it comes to innovations in the marketplace.If they chose to remain a competitive option and retain market share, they must reprioritize and dedicate resources to continuous technology improvement and innovation.And finally, carriers must engage their employees in such a way that digitization of insurance is not feared, but understood and accepted as a way to maintain their company’s relevancy and brand strength in a rapidly changing marketplace.


  1. Insurance Thought Leadership Website; Six Things Blog; Paul Carroll, Editor-in-Chief
  3. Huckleberry Now Live in California,
  4. Key Statistics about Millennials in the Workplace,

The author would like to thank the following individuals for their assistance in writing this article: Rochelle Null, SAIF Operations Manager, SERVICE CENTER, Portland, Oregon; and Roger Walleck, CPCU AIS, VP of Underwriting, Missouri Employers Mutual.



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