Agent News

Q1 2016

AF CompAdvisor Provider Locator at Your Fingertips

AF Comp AdvisorWhen a workplace injury occurs, finding prompt and proper care for the injured worker is top priority. That’s why AF Group created a new mobile app – AF CompAdvisor – which makes it simple to find a nearby physician who specializes in workplace injuries.

Utilizing our patented, award-winning Care Analytics® technology, we’ve developed a database of physicians most knowledgeable in occupational medicine and loaded them into our mobile app. This means that with a few simple clicks on a mobile device, our customers can provide their injured employee with a list of nearby doctors who can best treat their injury.

AF CompAdvisor is available to all Accident Fund agents and policyholders at no cost. It’s available via the iPhone App Store and Android Google Play by searching “AF CompAdvisor.”

We encourage you to share this information with your Accident Fund customers and strongly recommend that key contacts within their business download the app (e.g., Management, Loss Control manager, Human Resources director, etc.). That way they’ll be ready should an unfortunate accident occur – and can rest assured that their employee is being taken care of by a highly qualified workers’ compensation provider in the area.

Click here for an informative flyer to share with your Accident Fund customers. Questions or assistance with downloading the app can be directed to 866-206-5851.

eLink Updates Improve Ease of Business

Materials Available to Attach/Print with Policy Documents

Agents now have the opportunity to select marketing materials within eLink to include with the quote and application prints. This new functionality will allow you to select from our most popular materials that will automatically print with quotes/policies for policyholder presentations.elink-material-attach

What Changed in eLink?

  • After the quote or application print button is selected, you have the option to select up to 10 marketing materials to present with the quote or application prints.
  • When documents are selected to be attached to a quote, you’ll need to select the ‘Combine’ button to generate the document in a PDF format.
  • Upon selecting ‘Combine’, all selected materials will be combined into a single PDF document, along with the quote/application print.
  • The marketing materials will be displayed after the quote/application print.
  • You will have the option to print, email or save the document.
  • All selected marketing materials will display and print in full color.

Policyholder Email Contact and Website Fields Added

In an effort to improve policyholder communication , we added policyholder email and website fields within eLink. Obtaining this information provides an opportunity to keep customers up-to-date on new policyholder offerings or changes to services. It also allows our organization to easily reference the policyholder’s website when underwriting the risk.

Effective this month, agents are now required to enter the policyholder’s email address and website when submitting business in eLink. When quoting, two new fields will be present on the eLink applicant tab to capture this information.

What changed in eLink:

  • The Applicant Tab in eLink now displays a field for entry of the policyholder email address.
  • The Applicant Tab in eLink now displays a field for entry of the website.

elink-applicant-tab

If you have questions about these updates, please contact your Accident Fund business development consultant.

Promote Accident Fund’s Online Toolbox with A New Video

Workers Comp Toolbox Video ThumbailIn an effort to promote our online Toolbox, we created a video to demonstrate features of the Toolbox and its ease of use.

This short, informative video is available on our website so you can access it anytime. Please be sure to share it with current and potential policyholders to highlight the tools and services we offer that set us apart from the competition! Feel free to use this link – or visit the Videos section of our website.

Welcome to AF Group

afgroup-logo-166-02With more than 100 years in workers’ compensation, our organization has experienced tremendous growth and success with our agent partners. To reflect our trajectory and continued expansion plans, we feel this is the right time to shift our brand. Therefore, effective March 1, 2016, Accident Fund Holdings became AF Group.

AF Group and its four brands (Accident Fund Insurance Company of America, United Heartland, CompWest and Third Coast Underwriters) have become a notable force in the workers’ compensation industry. Although our name changed, we will protect our core work comp business and the relationships we’ve built with you, our trusted agency partners. Each brand will continue to focus on their specific niche and region, but will be presented new opportunities for growth and diversification.

The new name, AF Group, demonstrates our longevity in the industry and the strength that the collaboration of our brands offers to agents and customers. As we consider new lines at a national and global level, our new identity will make us more marketable for diversification. Rest assured, there will be no impact to our day-to-day operations from your perspective. The quality of products and services you’ve come to expect from our enterprise will not suffer; in fact, they will likely be enhanced as a result of our growth.

We look forward to growing with you – and celebrating future successes together. Thank you for your support and continued partnership – and welcome to AF Group!

AF Group CEO Liz Haar Featured in Best’s Review: The State of Workers' Comp

liz_haarFrom opioid abuse to rising medical costs to attacks on the industry’s ‘grand bargain’ and other legislation, the workers’ compensation system in the United States is facing its share of challenges. Best’s Review asked a panel of experts from across the industry to weigh in on some of the main issues facing the market. Joining the roundtable was AF Group President and CEO, Liz Haar – read more here.

Class Codes

Top Class Codes

Arkansas

8380   Automobile Service or Repair Center & Drivers

2016   Breakfast Food Mfg

8832   Physician & Clerical

9083   Restaurant: Fast Food

5445   Wallboard Installation Within Buildings & Drivers

Georgia

2501   Clothing Manufacturing

8835   Nursing-Home Health, Public and Traveling-All Employees

8869   Professional Employees: School or College

9083   Restaurant: Fast Food

5445   Wallboard Installation Within Buildings & Drivers

Illinois

8835   Nursing-Home Health, Public and Traveling-All Employees

9082   Restaurant NOC

Indiana

3632   Machine Shop NOC

9516   Television, Video, Audio and Radio Equipment Service or Repair & Driver

Iowa

9052   Hotel: All Other Employees & Salespersons, Drivers

9058   Hotel: Restaurant Employees

8107   Machinery Dealer NOC-Store or Yard-& Drivers

3724   Machinery or Equipment Erection or Repair NOC & Drivers

9082   Restaurant NOC

Kansas

8391   Automobile Repair Shop & Parts Dept Employees, Drivers

9014   Buildings-Operation by Contractors

8833   Hospital: Professional Employees

8835   Nursing-Home Health, Public and Traveling-All Employees

5183   Plumbing NOC & Drivers

Maryland

7390   Beer or Ale Dealer-Wholesale & Drivers

5535   Sheet Metal Work Installation & Drivers

6836   Marina & Driver

Michigan

8395   Automobile Repairs Facility

9015   Buildings–Operation by Owner or Lessee

7380   Drivers, Chauffeurs & Their Helpers NOC-Commercial

8835   Nursing-Home Health, Public and Traveling-All Employees

8059   Packaging – Retail Size

Minnesota

9014   Buildings-Operation by Contractors

8868   College: Professional Employees & Clerical

8842   Group Homes – All Employees & Salespersons, Drivers

8835   Nursing-Home Health, Public and Traveling-All Employees

9082   Restaurant NOC

Mississippi

8380   Automobile Service or Repair Center & Drivers

7390   Beer or Ale Dealer-Wholesale & Drivers

5537   Heating, Ventilation, Air-Conditioning and Refrigeration

8111   Plumbers Supplies Dealer & Drivers

4251   Stationery Mfg

Missouri

5022   Masonry NOC

8835   Nursing-Home Health, Public and Traveling-All Employees

9082   Restaurant NOC

8018   Store: Wholesale NOC

7231   Trucking: Mail, Parcel or Package Delivery-All Employees & Driver

Nebraska            

8380   Automobile Service or Repair Center & Drivers

9060   Club-Country, Golf, Fishing or Yacht-& Clerical

8832   Physician & Clerical

9082   Restaurant NOC

2960   Wood Preserving & Drivers

North Carolina

8380   Automobile Service or Repair Center & Drivers

7605   Burglar Alarm Installation or Repair & Drivers

8835   Nursing-Home Health, Public and Traveling-All Employees

South Carolina

8835   Nursing-Home Health, Public and Traveling-All Employees

4299   Printing

9522   Upholstering

South Dakota

8380   Automobile Service or Repair Center & Drivers

9014   Buildings-Operation by Contractors

9012   Buildings-Operation-by Owner, Lessee, or Real Estate Management Firm: Prof. Employees, Property Mgrs and Leasing Agents

8810   Clerical Office Employees NOC

5537   Heating, Ventilation, Air-Conditioning and Refrigeration

Tennessee          

5537   Heating, Ventilation, Air-Conditioning and Refrigeration

3724   Machinery or Equipment Erection or Repair NOC & Drivers

9082   Restaurant NOC

9083   Restaurant: Fast Food

5445   Wallboard Installation Within Buildings & Drivers

Texas

8391   Automobile Repair Shop & Parts Dept Employees, Drivers

6219   Clearing and Grading of Land NOC & Drivers

3724   Machinery or Equipment Erection or Repair NOC & Drivers

5474   Painting or Paperhanging NOC & Shop Operations, Drivers

5183   Plumbing NOC & Drivers

Virginia

9060   Club-Country, Golf, Fishing or Yacht-& Clerical

8835   Nursing-Home Health, Public and Traveling-All Employees

8021   Store: Meat, Fish or Poultry Dealer-Wholesale

Wisconsin

8835   Nursing-Home Health, Public and Traveling-All Employees

9082   Restaurant NOC

Rate Changes

Rate Changes

Core States        

The following core states have a pending rate change. New rates are not yet available in eLink; however, some renewing policies may be viewable in the renewal index.  Please refrain from releasing quotes and renewals for these states until rates are updated.

State Effective   Date
Arkansas 07/01/16
South Dakota 07/01/16
Texas 07/01/16
Virginia 04/01/16

Rate Changes in Production

GeorgiaEffective July 1, 2016, Accident Fund will adopt NCCI’s March 1, 2016 advisory loss costs in Georgia with an overall industry loss cost level increase of 2.8%. The actual change will vary by class. New rates were implemented in our eLink system on Feb. 22, 2016.

MississippiEffective March 1, 2016, Accident Fund will adopt NCCI’s loss costs in Mississippi with an overall average loss cost level decrease of 7.9%. The actual change will vary by class.  New rates became available in our eLink system on Jan. 11, 2016.

North CarolinaEffective April 1, Accident Fund will adopt the North Carolina Rating Bureau’s loss cost decrease of 10.2%. Rates will vary by class. New rates became available in our e-business system on Jan. 18.

TennesseeEffective March 1, Accident Fund will adopt NCCI’s loss costs in Tennessee, with an overall loss cost level decrease of 0.9%. The actual impact will vary by class.  New rates became available in our system on Jan. 5, 2016.

Accommodation States

State NCCI/ Bureau Impact Effective Date
Alabama -8.2% 03/01/16
Connecticut -3.9% 01/01/16
Delaware +7.2% 12/01/15
Hawaii +1.4% 01/01/16
Louisiana -2.7% 05/01/16
Maine +0.1% 04/01/16
Montana -3.4% 07/01/16
Nevada -5.5% 03/01/16
New Hampshire -5.9% 01/01/16
Oklahoma -14.8% 01/01/16
Oregon -5.3% 01/01/16
Pennsylvania -.90% 04/01/16
Vermont +2.6% 04/01/16

Please be sure to discuss pricing options for all new business and renewals with your business development consultant.

Hall of Fame

Agency Hall of Fame

Arkansas

BancorpSouth Insurance Services, Inc., Little Rock

Walker Bros. Insurance, Inc., Springdale

Georgia

Griffin & Company Inc., Albany

Risk Innovations, LLC, Atlanta

Illinois

Dimond Bros. Insurance LLC, Paris

Kamm Insurance Group, Chicago

Indiana

Gregory & Appel Insurance Agency, Indianapolis

USI Insurance Services LLC, Muncie

Iowa

Ambank Insurance, Sioux Center

Holmes, Murphy and Associates, LCC, West Des Moines

Kansas

Kansas Farmers Service Association, Hutchinson

The Reilly Company, LLC, Leavenworth

Maryland

Associated Insurance Management Inc., Silver Spring

PSA Insurance, Inc., Hunt Valley

Michigan

Goodman Venegas Insurance Agency, Inc., Troy

Hylant Group, Troy

Minnesota

Atlas Insurance Brokers LLC, Rochester

  1. A. Price Agency, Inc., Eden Prairie

Mississippi          

Bottrell Insurance, Jackson

Insurance & Risk Managers, Brookhaven

Missouri

Risk Innovations LLC, Lees Summit

W.E. Walker-Lakenan, Cape Girardeau

Nebraska

Ryder – Rosacker – McCue & Huston, Grand Island

The Harry A. Koch Co., Omaha

North Carolina

ECM Solutions, Charlotte

Morrow Insurance Agency Inc., Hendersonville

South Carolina

CWS Insurance Agency, Inc., Spartanburg

Turbeville Insurance Agency, Inc., Columbia

South Dakota

McKinney Olson Insurance, Sioux Falls

The Insurance Connection, Sioux Falls

Tennessee

HMP Insurance, Germantown

Swallows Ins. Agency, Cookeville

Texas

BSB Insurance Agency, Plano

HIG Risk Solutions LLC, Katy

Virginia

LD&B Insurance & Financial Svcs, Harrisonburg

Sheehan Insurance Group, Inc., Haymarket

Wisconsin

Avid Risk Solutions, Inc., Middleton

Insurance Marketing Group of Wisconsin, Inc (Image), Saint Germain