THE UCWCP: A PARTNERSHIP BETWEEN UNIONS, CONTRACTORS AND INSURANCE PROVIDERS

While the UCWCP is a creation of Labor and Management representatives in the organized construction industry, a key partner who's opinion was sought in the development of the Program were the entities that provide the various insurance coverages that contractors are mandated to carry: workers' compensation insurance companies, self-insured funds, and third-party administrators.

Insurance providers request to become sponsors of the UCWCP, and must apply to the MN Department of Commerce for approval of an "Alternative Dispute Resolution Endorsement" to provide insurance or self-insurance for contractors participating in the Program. Once approval from the MN Department of Commerce is obtained, the claims administration staff go through a UCWCP training to understand the components of the Program and specific claims handling requirements unique to the Program.

Insurance Providers are still required to file statutory forms and documents with the MN Department of Labor and Industry, and are subject to the Department's claim audits and penalties. Furthermore, all claims subject to the jurisdiction of the UCWCP are entitled to the same benefits as mandated in the statutory system.

SPONSORING INSURANCE COMPANIES (ACTIVE)

American Interstate Insurance (AMERISAFE)

Arch Capital Insurance

CNA Insurance

Continental Western Group

Federated Insurance

General Casualty Insurance

SFM Mutual Insurance

SeaBright Insurance

Selective Insurance

Travelers Insurance (formerly St. Paul Travelers)

Western National Insurance

Westfield Insurance

Zurich-American Insurance


PREMIUM CREDITS

Nine insurance carriers offer a pro-rated Premium Credit, effective the date of enrollment, to contractors who enroll in the UCWCP to offset the Subscription Fees:

CNA Insurance: 3%
Continental Western Group: 3%
Federated Insurance: 3%
General Casualty Insurance: 3%
SFM Insurance: 5%
SeaBright Insurance: 5%
Western National Insurance: 3%
Westfield Insurance: 3%
Zurich American Insurance: 3%

SPONSORING SELF-INSURED FUNDS AND THIRD-PARTY ADMINISTRATORS

SELF-INSURED FUNDS

The Builders Group*

The Heartland Group

The Foundation Group

EEP Workers' Compensation Fund

Builders & Contractors Work Comp Fund

*Offers a 5% Premium Credit to offset the Program's Subscription Fee.


THIRD-PARTY ADMINISTRATORS

Berkley Risk Administrators

Crawford and Company

Creative Risk Solutions

Gallagher Bassett Services

Meadowbrook Insurance Group

Who's On Board?

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