Policy Services

Our assigned risk services comply with the NCCI Workers' Compensation Insurance Plan and state-specific performance requirements. Policy management services include policy issuance, billing, collections, premium audit, claims, and loss prevention. 

Election of Coverage & Inclusion Payroll

Georgia
Georgia Election of Coverage
  • Any business with three or more workers, including regular part-time workers, must carry workers’ compensation insurance. If your business is required to carry the insurance and fails to do so, you’ll be guilty of a misdemeanor. Review insurance requirements with the State Board of Workers’ Compensation: Title 34. Chapter 9. Workers’ Compensation
  • Georgia workers’ compensation law excludes sole proprietors and/or partners, with the option to elect coverage by filing a form WC-10. If a sole proprietor or partner elects coverage, they are considered employees and are included at a flat fee, which is effective the day after receipt by the carrier
  • Georgia workers’ compensation law includes members of a Limited Liability Corporation (LLC). Members may elect to exempt themselves from coverage by filing a WC-10 form. The election is effective the day after receipt by carrier.
  • Georgia workers’ compensation law includes corporate officers. Officers may elect to exempt themselves from coverage by filing a WC-10 form. The election is effective the day after receipt by carrier.
  • https://sbwc.georgia.gov/sites/sbwc.georgia.gov/files/board_forms/wc010.pdf (WC-10 Form)
Georgia Inclusion Payroll
  • Minimum and Maximum Payroll for Inclusion
    • 03/01/18 - $1,000/$4,000(Per Week)
    • 03/01/19 - $1,000/$4,100(Per Week)
    • 07/01/19 - $1,000/$4,100(Per Week)
  • Flat Fee Payroll for Inclusion
    • 03/01/18 - $51,400
    • 03/01/19 - $52,800
    • 07/01/19 - $52,800
Massachusetts

Massachusetts Election of Coverage

  • All employers operating in the state of Massachusetts are required to carry workers’ compensation insurance for their employees. They are also required to carry coverage on themselves if they are an employee of their company. For more information, please visit the following website: https://www.mass.gov/lists/mass-general-laws-c152
  • Massachusetts workers’ compensation law excludes sole proprietors, partners, LLC and/or LLP members. Sole proprietors, partners, LLC and/or LLP members may elect coverage for themselves by sending a written letter signed by the insured on company letterhead, detailing the duties of each sole proprietor, partner, LLC or LLP member who is electing coverage. Election is subject to a flat fee and effective the day after receipt by the carrier.
  • Massachusetts workers’ compensation law includes corporate officers. Officers may elect to exempt themselves by filing a Form 153, which must be approved by the Department of Industrial Accidents. The employer must mail a copy of the approved Form 153 to the insurance carrier in order to be exempt. The election is effective the day after receipt by the carrier and subject to officer’s minimum and maximum amounts.
  • https://www.mass.gov/service-details/dia-numerical-form-list (Form 153)

Massachusetts Inclusion Payroll

  • Minimum and Maximum Payroll for Inclusion
    • 10/01/18 - $210/$1,060 (Per Week)
    • 10/01/19 - $230/$1,140 (Per Week)
  • Flat Fee Payroll for Inclusion
    • 10/01/18 - $50,400
    • 10/01/19 - $52,100
Minnesota

Minnesota Election of Coverage

  • Minnesota state law states that all employers are required to purchase workers’ compensation insurance. Please refer to Ch. 176 under the MN State Statute for more information: https://www.revisor.mn.gov/statutes/cite/176
  • Minnesota workers’ compensation law excludes sole proprietors, partners, LLC and/or LLP members, and an owners’ parents, spouse, and children, with the option to elect coverage for an owner, and an owners’ parents, spouse, and/or children
  • Grandparents, grandchildren, brothers, and sisters are included for coverage and do not have the option to exclude themselves, unless they obtain approval from the Department of Commerce
  • Minnesota workers’ compensation law excludes corporate officers of a closely held corporation with less than 22,800 corporate payroll hours and at least 25% ownership, with the option to elect coverage for an owner, and owners’ parents, spouse, and/or children
  • Minnesota workers’ compensation law includes corporate officers of a closely held corporation with 22,800 corporate payroll hours or more, and/or less than 25% ownership, or if publicly held. There is no option to exclude coverage for an owner, an owners’ parents, spouse and/or children.

Minnesota Inclusion Payroll

  • Minimum and Maximum Payroll for Inclusion
    • 4/1/2018 - $54,132/$216,528 (Yearly)
    • 4/1/2019 - $56,004/$224,016 (Yearly)
    • 1/1/2020 - $57,824/$231,296 (Yearly)

Waiver of Subrogation & Charges

The Waiver of Our Right to Recover from Others endorsement is used when a written contract under which the insured employer’s work is performed requires that the carrier waive its right of subrogation against a third party.

In order to issue a waiver, we require a copy of the contract signed by all parties and specifying the job location, duration of the job, estimated payroll for the job, class code of the employees on the job, and number of employees on the job.

Georgia

5% of manual premium or a minimum of $250

Massachusetts

2% of manual premium

Minnesota

5% of manual premium or a minimum of $100

ERM-14 Forms

It is the policyholder’s responsibility to report any change in ownership to us within 90 days of the date of change.

Massachusetts

Located under “Applications and Forms” “MA ERM Form- Confidential Request for Information” - https://www.wcribma.org/mass/ToolsandServices/UnderwritingToolsandForms/ApplicationsForms.aspx#ERM

Minnesota

Located at the bottom of the page under “Forms” “Ownership ERM-14” - https://mwcia.org/#

Payroll Changes

Increase Payroll on Policy

Submit a written request to us with the class code and new payroll by each location. We will increase the premium associated with the increased payroll, and send an endorsement to you and your agency with a new schedule of billing.

Decrease Payroll on Policy

Submit a written request to us and provide at least 90 days of the most recent payroll records and/or tax filings to justify the decrease in payroll. Payroll changes less than 60 days from policy expiration date will be determined after the completion of the final audit.

Policy Dispute Resolution Process

Georgia

Workers’ Compensation and Employers’ Liability Insurance Policy

Georgia WCIP Assigned Carrier
PMA Ins Co - NCCI Carrier Code 11916

Old Republic Residual Market Services
PO Box 9325 Minneapolis, MN 55440-9325
Website: ormarks.com
Phone: 612-902-9240
Toll Free: 877-347-3596
Fax: 612-902-9241


Policy Dispute Resolution Process

To comply with requirements in state statutes and/or regulations, the NCCI, as Administrator for the Georgia Workers' Compensation Plan, has established the Workers' Compensation Appeals Board to assist in dispute resolution. The board's dispute resolution process provides you with a means to resolve disputes regarding your Workers’ Compensation and Employers’ Liability Insurance Policy. 

The process has three steps:

1. You must first attempt to resolve the dispute directly with us. To do this, please provide the following information:

  • Written notice to us detailing the specific areas of dispute
  • An estimate of the premium you believe to be correct, with an explanation of the premium calculation
  • Payment of the undisputed portion of the premium

Upon receipt of the written dispute and undisputed premium, we will review all correspondence, policy and loss information, and conduct research of relevant rules and regulations to determine the appropriate resolution. We will provide the resolution in writing including a summary of our decision along with manual rules, regulations, state laws or other pertinent information to support our position and to educate you and/or your agent.   

The required information and payment can be sent to us at the above address or documentation can be provided by email at policyservices@ormarks.com.

Every attempt will be made to satisfactorily resolve the dispute by no later than 45 days from receipt of your dispute.

2. If you are not satisfied with our decision and resolution, then you may ask the Administrator for assistance. The Administrator will attempt to assist you and us in reaching a resolution. The Plan Administrator, after receiving all necessary information regarding the dispute, will review the matter and provide a written response within 30 days. Initial requests for dispute resolution services must be sent to NCCI at one of the following:

Mail
NCCI
Dispute Resolution Services
901 Peninsula Corporate Circle
Boca Raton, FL 33487-1362

Email
regulatoryoperations@ncci.com

Fax
(561) 893-5043

3. If you are still not satisfied with the resolution, then you may ask the Administrator to refer the dispute to the Board. Attempts to collect premium in dispute or to cancel or non-renew a policy for failure to pay disputed premium will be suspended until the Georgia Workers' Compensation Appeals Board and/or the Administrator makes a decision on the dispute.

Massachusetts

Workers’ Compensation and Employers’ Liability Insurance Policy

MA WC Assigned Risk Pool Assigned Carrier:
PMA Ins Co - NCCI Carrier Code 11916

Old Republic Residual Market Services
PO Box 9325 Minneapolis, MN 55440-9325
Website: ormarks.com
Phone: 612-902-9240
Toll Free: 877-347-3596
Fax: 612-902-9241


Policy Dispute Resolution Process

The dispute resolution process provides you with a means to resolve disputes regarding your Workers’ Compensation and Employers’ Liability Insurance Policy. 

The process has three steps:

1. You must first attempt to resolve the dispute directly with us. To do this, please provide the following:
  • Written notice to us detailing the specific areas of dispute
  • An estimate of the premium you believe to be correct, with an explanation of the premium calculation
  • Payment of the undisputed portion of the premium

Upon receipt of the written dispute and undisputed premium, we will review all correspondence, policy and loss information, and conduct research of relevant rules and regulations to determine the appropriate resolution. We will provide the resolution in writing including a summary of our decision along with manual rules, regulations, state laws or other pertinent information to support our position and to educate you and/or your agent.   

The required information and payment can be sent to us at the above address or documentation can be provided by email at policyservices@ormarks.com.

Every attempt will be made to satisfactorily resolve the dispute by no later than 45 days from receipt of your dispute or 30 days from receipt of your audit dispute.

2. If you are not satisfied with our decision and resolution, then you may ask The Workers' Compensation Rating & Inspection Bureau of Massachusetts (WCRIBMA), as Administrator for the Massachusetts Workers' Compensation Plan, for assistance and referral to their Appeals Committee. The Administrator and Appeals Committee will attempt to assist all parties in reaching a resolution. All written requests for review with the bureau must be submitted to the following address:

WCRIBMA
Attn: Customer Service Department
101 Arch Street, 5th Floor
Boston, MA 02210

3. If you are still not satisfied with the resolution, you have 30 days from the date of the Appeals Committee’s ruling notice to appeal it in writing with the Commission of Insurance. The request to the Commission should be mailed to:

Commission of Insurance
Division of Insurance
Department of Banking and Insurance
1000 Washing Street, 8th Floor
Boston, MA 02118-2218

Minnesota

Workers’ Compensation and Employers’ Liability Insurance Policy

Carrier Name/Code:
Old Republic Residual Market Services Contract Administrator MN Assigned Risk Plan - 27821

Old Republic Residual Market Services
PO Box 9325 Minneapolis, MN 55440-9325
Website: ormarks.com
Phone: 612-902-9240
Toll Free: 877-347-3596
Fax: 612-902-9241


Policy Dispute Resolution Process

The Dispute Resolution Process provides you with a means to resolve disputes regarding your Workers’ Compensation and Employers’ Liability Insurance Policy.

The process has three steps:

1. You must first attempt to resolve the dispute directly with us. To do this, please provide the following:

  • Written notice to us detailing the specific areas of dispute
  • An estimate of the premium you believe to be correct, with an explanation of the premium calculation
  • Payment of the undisputed portion of the premium

Upon receipt of the written dispute and undisputed premium, we will review all correspondence, policy and loss information, and conduct research of relevant rules and regulations to determine the appropriate resolution. We will provide the resolution in writing including a summary of our decision along with manual rules, regulations, state laws or other pertinent information to support our position and to educate you and/or your agent.   

The required information and payment can be sent to us at the above address or documentation can be provided by email at policyservices@ormarks.com.

Every attempt will be made to satisfactorily resolve the dispute by no later than 45 days from receipt of your dispute.

2. If you are not satisfied with our decision and resolution, then you may ask the Minnesota Workers' Compensation Assigned Risk Plan (MWCARP), as Administrator for the Minnesota Workers' Compensation Plan, for assistance. The Plan Administrator will attempt to assist all parties in reaching a resolution. All written requests for review with the bureau must be submitted to the following address:

MWCARP
ATTN: Cheryl Perkins
5600 West 83rd Street
8200 Tower, Suite 1100
Minneapolis, MN 55437
Email: Cheryl.l.perkins@aon.com 

3. If you are still not satisfied with the resolution, then you may ask the Plan Administrator to refer the dispute to the Minnesota Department of Commerce for a review within 30 calendar days from receipt of the decision notice.

Insured Cancellation Request

If you would like to cancel your policy, please submit one of the following:

  1. A written and signed request from an owner or officer with the insured name, policy number, reason for cancellation and date of intended cancellation. Please note: we do not backdate cancellation unless coverage has been replaced, in which case we require a copy of the declaration page in order to backdate the cancellation date.
  2. Complete and send a Cancellation Request/Policy Release ACORD Form

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