Curriculum

The following classes represent the curriculum for the CAWC designation:

Fundamentals of Workers’ Compensation

Provides a general overview of workers’ compensation
insurance. This includes a history of workers’ comp,
employer liability, how employers provide and obtain
workers’ comp insurance, the Federal Employer’s Liability
Act and the benefits of workers’ comp.

Experience Modification Factors

This class provides an in-depth look at modification
factors to help agents calculate, understand and explain
the ramifications associated with a high rating.

Claims

This claims course is designed to introduce participants to
the basic, yet integral components of this business unit.
Key areas of focus include the importance of timely
claims reporting, the coverage verification process, steps
invovled with handling a workers’ comp claim, the value
of the reserving process, claims management programs,
and detecting and preventing claims fraud.

Loss Control

Loss control is a vital component of helping clients control
their losses and reduce their modification factor. In this
class, agents learn the basics of loss control programs,
which provide workers’ compensation risk identification
injury prevention and safety services.

Return to Work

To be an expert in workers’ compensation insurance, agents
must have a strong understanding of how to implement a
return-to-work program. This class details how an effective
return-to-work program can save employers money while
providing their employees the best care possible.

Alternative Work Comp Programs

This course focuses on the competitive advantages
associated with loss sensitive plans, such as retrospective
rating plans, large deductible plans, self insurance and
excess workers’ compensation plans. Insights are provided
on how large agencies use these types of programs to help
customers save money.

United States Longshore & Harbor Workers Act

USL&H provides employment-injury and occupational-
disease protection to approximately 500,000 workers. This
class examines the impact on business and coverage
needs for policyholders along with who is covered, the
basic provisions and requirements, and employee rights.

Workers’ Compensation Classification Basics

This class provides an overview of the rules involving risk
classification of workers’ compensation insurance. The
class will include discussion about governing classification,
and standard exceptions. While the information given at this
class will be based on NCCI classification rules and rating,
there will also be discussion about how non-NCCI states vary .