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Kansas Workers' Comp

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Is Workers' Comp Required in Kansas?

Kansas workers' compensation requirements.

All employers in the state of Kansas are required to get workers' compensation insurance.

Sole-Proprietors, Partners and LLC Members are automatically excluded from coverage, but may elect to be covered. The state requires sole-proprietors and partners to file a Notice of Election form (Form D-WC-113) with the state if they wish to be included under workers' compensation coverage.

Corporate Officers are automatically included in coverage, but they may elect to be excluded.

Corporate officers with less than a 10% ownership position in their company are treated as regular employees, and must be included for coverage. Corporate officers with a 10% or greater ownership position in the company can elect to exclude themselves from coverage.

Family members who are not true owners of the company or who do not meet the 10% ownership test for corporations must be included in the coverage. They cannot elect to be excluded.

Workers' Comp Exemptions in Kansas

Sole-Proprietors, Partners and LLC members who include themselves on workers' compensation coverage must use a payroll amount of $53,000 for rating their overall workers' compensation cost.

Corporate Officers who are included in coverage must utilize a minimum payroll of 1,000 per week ($52,000 Annual) and a maximum weekly payroll of $4,100 ($213,200 Annual) in order to calculate the cost of workers' comp insurance.

Kansas Workers' Compensation Verification

The state of Kansas provides a free online tool for verifying workers' compensation insurance coverage. Anyone can search by business name or FEIN. The results will only show the business name and policy number for employers who have coverage in the state being searched. The information is managed by the Kansas Department of Labor.

KS workers' compensation verification tool

How much is workers' comp in KS? click or call!

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How is Workers' Comp Calculated?

Workers' compensation is a commercial insurance product categorized as Property & Casualty insurance (P&C Insurance). Even though workers' comp is calculated using estimated payroll wages and class codes, premium is still a separate business expense from the cost of payroll. Kansas Employers may treat the cost of coverage as an expense on their taxes.

Work comp rates for all job classification codes are always expressed as a percentage of $100 in wages. An annual policy is always subject to an audit because it was based on estimated wages and not actual wages.

Here is an example using two class codes with different estimated payroll for each class code:

In order to calculate the cost of the policy you only need to multiply each rate with its divided payroll. It benefits employers to re-calculate their premium as their payroll becomes larger than originally anticipated.

* Additional premium costs may also include an expenses constant, terrorism charges, catastrophe charges and other state surcharges such as a second injury fund or other state assessment fees.

Kansas Workers' Compensation Insurance

Every state has their own laws to determine how employees must be covered and how they must be classified for rating premium. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to buy a policy for each of the states where your employees are located and working. In most cases, you can cover multiple states on one policy.

Workers' Compensation Insurance in Kansas can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or an alternate State Insurance Fund , is available for businesses that are unable to find coverage from a private company. Our specialists help will help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and previous workers compensation claims.

See Kansas workers' comp insurance laws

What Does Kansas Workers' Comp Cover?

Kansas workers' compensation insurance helps pay claim expenses when an employee, or a covered sub-contractor, is injured while working for your business. It also shields your business from other legal liabilities associated with an injured employee. Work comp coverage includes:

Medical Costs

Workers' comp insurance pays for the medical expenses associated with claims or injured workers. The cost of an ER visit, required surgeries and drug prescriptions are some of the covered expenses included under a policy. An employee injured due to a slip and fall would be covered, for example. Coverage for medical benefits can also include longer term expenses such as physical therapy or rehabilitation.

Employee Wages- Income Benefits

Most business owners can't afford to continue paying employees if they are unable to work while they are injured. Workers' comp income benefits in Kansas will replace most of your employees missing income if they are away from work due to an injury or illness. For example, if a construction employee broke his arm and could not perform the job for 8 weeks, the coverage would make payments to the employee to help replace the lost wages.

Short-Term and Long-Term Disabilities

Sometimes an injury can cause a partial disability or a more permanent disability. Workers' compensation steps in to help pay the cost of ongoing medical bills and may even replace a portion of wages lost due to the disability. If an employee had a finger amputated due to a work related injury. The employee could be paid a sum (known as an Impairment Rating ) for the loss of the finger for permanent disability as well as some temporary disability coverage while recuperating.

Occupational Illness

Some types of work environments can include occupational exposures that have unforeseen circumstances. A chemical mixing operation, for example, may expose employees to chemical irritants and cause harmful reactions that make them sick. A workers' comp policy would cover the cost of treating an illness caused while performing the job.

Funeral Expenses

Nearly 50,000 deaths happen at work each year. Many of these are in the construction and trucking industries. A workers' compensation policy is designed to cover the cost of these funerals and to provide death benefits to the employees family. State guidelines often determine the dollar amount of coverage.

Workers' compensation coverage is a No-Fault system designed to prevent costly employee lawsuits related to on-the-job-injuries. Many state provisions include Exclusive Remedy rules that protect covered businesses from these lawsuits in exchange for providing workers' comp coverage for their employees. Claims should be reported to a supervisor with 30 days. Employers should also report any claims or accidents to their insurance company within 30 days from notification.

How Does Workers' Comp Work?

kansas workers compensation assigned risk pool

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

  • Lost income for workers who can't perform job duties
  • Medical expenses for injury or illness on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent .

kansas workers compensation assigned risk pool

  • Injuries resulting from a violation of the law
  • Accidents resulting from using drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations

kansas workers compensation assigned risk pool

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Kansas.

We've developed Pay As You Go workers' compensation programs that reduce or eliminate premium deposits and allow Kansas employers to report and pay premium based on actual payroll wages. Protect your business from audits.

Lower Monthly Payments

We've negotiated special deals with many of our insurance partners. We offer more flexible payment options, like 12 equal installments plans and monthly reporting programs, to help improve cash flow for our business owners.

Shop for Better Quotes

At Workers' Compensation Shop.com we help Kansas business owner's find the best deal on their workers' comp coverage. Whether you are looking for Pay as You Go Coverage or an installment plan, we can help you find great rates

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KS Workers' Comp Specialists

Rates on Workers' Compensation Insurance in Kansas are 20 percent cheaper than the national average. Even though employers in Kansas enjoy great rates, many businesses are not taking advantage of all the cost savings options. At Workers' Compensation Shop.com we offer flexible payment plans and many other programs like Pay As You Go coverage.

Help with KS Class Codes

Insurance rates vary significantly between NCCI classification codes. Let our KS Workers' Compensation Specialists help you determine your correct workers' compensation class codes before you buy a policy. We'll help make sure your business is properly classified and you find the very best coverage at the lowest rates available.

Fast Workers' Comp Quotes

We make the process of getting workers' compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Compare Rates With More Carriers

We're a National Agency, and we have tons of carriers offering work comp in Kansas. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.

THE RIGHT QUOTE MAKES A DIFFERENCE.

A BETTER WAY TO BUY WORKERS' COMPENSATION INSURANCE

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How much is Workers' Comp in Kansas?

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Workers Compensation Assigned Risk Plans

Assigned Risk Plans Are the Market of Last Resort

What Is an Assigned Risk Plan?

  • Why Workers Comp May Be Hard to Get
  • Who Administers the Plan?

How Can You Get Coverage?

Pros and cons of assigned risk plans.

Suppose you try to purchase a workers compensation policy  in the standard market but no insurer will sell you a policy. This will create a dilemma since most states require employers to purchase workers compensation insurance. Fortunately, you'll have an alternative: You can secure coverage from your state's assigned risk plan .

Assigned risk plans are established by the states as a safety net for employers that are unable to obtain workers compensation coverage from "regular" insurers. They are the market of last resort for employers that would otherwise have no source of coverage. All states except monopolistic states have established a plan.   The law in each state determines how the plan is administered and financed. Assigned risk plans are also called the residual market.

The monopolistic states don't need assigned risk plans because all employers in those states are required to secure workers comp insurance from a government-operated fund.

States have created assigned risk plans so that all employers can obtain workers compensation insurance. The ultimate goal is to ensure that employees who are injured on the job will receive the benefits entitled to them by law.

Why Might Workers Comp Coverage be Hard to Obtain?

Here are some reasons why an employer may have difficulty obtaining workers compensation insurance from a standard insurer:

  • Poor loss history : If a business has sustained many small losses or a few large ones, underwriters may assume its management doesn't care about safety.
  • New business : A new company is difficult for an underwriter to assess because it has no track record.
  • Very small business : A very small company may not generate enough premium to compensate for the risk of claims.
  • Hazardous occupation : Many insurers are unwilling to provide workers compensation coverage to employers in risky occupations like logging, trucking, and roofing.

Who Administers the Assigned Risk Plan?

All states have designated an administrator that operates the plan and oversees the issuance of policies. In most states, the administrator is one of the following:  

  • The National Council on Compensation Insurance (NCCI)
  • The state competitive insurance fund
  • The state rating organization or another third party

The NCCI administers plans on behalf of 22 jurisdictions.   Each of these states requires all workers compensation insurers that operate within its borders to participate in the assigned risk plan. Insurers may either join a multi-state reinsurance pool or serve as a "direct assignment" carrier. When an insurer participates in a pooling arrangement, it may act as a servicing carrier (issuing policies and paying claims) or provide reinsurance to servicing carriers. If an insurer chooses the direct assignment option, it must agree to accept and retain all risks assigned by the NCCI. The direct assignment insurer pays all losses incurred by the assigned employers and is not reimbursed by reinsurance.

In 14 states, the assigned risk plan is administered by the state competitive fund. Examples are California, New York, and Montana. Most of the remaining states have designated their rating organization or an insurer as their plan administrator.  

If you or your insurance agent is unable to secure workers compensation coverage for your business in the standard market, you or your agent may submit an application to your state's assigned risk plan administrator. The application procedure varies by state. If the plan in your state is administered by the NCCI, you can apply online 24 hours a day or mail your application to the NCCI via the U.S. Postal Service.

If the plan in your state is administered by a state fund or rating organization, check the administrator's website for application instructions.

To obtain coverage in the residual market, you must have applied for coverage and been rejected by one or more insurers. The number of required rejections varies by state. For instance, employers in West Virginia can apply for coverage in the assigned risk plan only if they provide evidence of rejection by two insurers.  

The primary advantage of an assigned risk plan is that it provides coverage to employers that can't obtain insurance in the standard market. One major disadvantage is cost. Employers insured in the residual market generally pay higher rates than those insured in the voluntary market. Those whose experience modifier is greater than 1.0 may also be subject to a surcharge.   In addition, some states have eliminated the premium discount on assigned risk policies. An example is Massachusetts.   A premium discount is a credit applied when the premium exceeds a certain threshold.

Another drawback of assigned risk plans is that employers can't choose their insurer. Their policy is issued and managed by the plan administrator or servicing carrier. A third disadvantage is limited coverage. Policies issued in the residual market may not be as broad as those purchased from standard insurers. For instance, many policies afford no coverage for operations the employer undertakes in states other than the one where the policy was issued.  

Key Takeaways

  • Assigned risk plans serve employers that can't find workers comp coverage in the standard market.
  • Most plans are administered by the NCCI, a state insurance fund, or a state rating agency.
  • Policies purchased from an assigned risk plan are generally more expensive and provide less coverage than policies obtained in the standard market.

IRMI. " Assigned Risk Plans ." Accessed July 30, 2020.

IRMI. " Workers Compensation Residual Market ." Accessed July 29, 2020.

NCCI. " Insuring the Uninsurable. Workers Compensation Residual Market ." Accessed July 29, 2020.

NCCI. " Options for Submitting Assigned Risk Applications Online ." Accessed July 29, 2020.

State of West Virginia, Offices of the Insurance Commissioner. " Workers’ Compensation Assigned Risk Plan ," Page 2. Accessed July 29, 2020.

NCCI. " Assigned Risk Adjustment Program ." Accessed July 30, 2020.

The Workers Compensation Rating and Inspection Bureau of Massachusetts. " Premium Discount ." Accessed July 31, 2020.

NCCI. " Producers' Guide to Understanding NCCI's Residual Market Limited Other States Insurance Endorsement ." Accessed July 30, 2020.

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Workers' Compensation Laws in Kansas and Missouri

By Steve Donovan on Jul 02 , 2021 3 min read 0 comment(s)

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what is workers compensation (1)

Workers’ compensation is a required insurance policy provided by the employer to pay employee benefits for job-related injuries. Disability or death that arises out of and in the course of employment. Since each state operates its own workers’ compensation system, employer requirements can vary considerably from one state to the next.

RELATED: Eight Reasons To Hire a PEO for Risk Management >>

History of the Workers' Compensation Program in the United States

Wisconsin was the first state to enact a workers’ compensation program in 1911. Nine additional states created programs by the end of that year. However, it took until 1948 before all 50 states had launched a workers’ compensation program with Mississippi being the last state to participate.

Workers’ Compensation Laws in Kansas

Kansas mandates that most employers carry workers’ compensation insurance for their employees. There are several exceptions, such as certain agricultural pursuits, sole proprietors and partnerships, but employers with $20,000 or more in gross annual payroll are required to provide workers’ compensation coverage for their employees.

RELATED: Why Health and Safety Practices in the Workplace Matter >>

Kansas-based employers have the following options available to them to satisfy this requirement:

Workers’ Compensation Insurance  

Group funded pool  , self-insurance  , professional employer organization (peo).

returning to work after workers compensation

Workers’ Compensation Laws in Missouri

Missouri requires employers with 5 or more employees to carry workers’ compensation insurance. However, that number drops to one employee in the construction industry. Employers who do not meet the minimum employee threshold or qualify for other exemptions from the law can (and should) purchase workers’ compensation insurance. Otherwise, these employers leave themselves exposed to potential employee lawsuits.

RELATED: Reduce Employee Injury and Illness with Comprehensive Risk Assessments >>

Missouri employers may purchase workers’ compensation coverage from a private insurance company authorized to sell it by the Missouri Department of Insurance. Employers who cannot procure insurance from an authorized insurance company can procure coverage through the State’s assigned risk pool managed by Traveler’s Commercial Casualty Company. Purchasing workers’ compensation insurance through an assigned risk pool can be cost-prohibitive for many small and mid-sized employers and is therefore usually the last resort to obtain coverage.

The good news is that Missouri employers can work with Axcet HR Solutions to meet their workers’ compensation obligations.

RELATED: 5 Ways To Keep Slips, Trips and Falls from Tripping Up Your Workplace >>

Axcet HR Serves Small to Mid-Sized Employers on Both Sides of the  State Line

Located in Kansas City on the Kansas side of the state border, Axcet HR Solutions provides an alternative to operating an in-house workers’ compensation program and numerous other services related to human resources. Employers may request a consultation to learn more. Working with Axcet relieves administrative burdens for smaller companies and leaves them free to pursue long-term company growth.

RELATED: What Is a PEO and How Can It Help Your Business? >>

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kansas workers compensation assigned risk pool

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What Is The Assigned Risk Pool, and Why Are You In It?

Being a commercial lines insurance agent at Viking Insurance Services, I inherently speak with a lot of business owners on a daily basis. As a commercial lines insurance agency specializing in bringing clients out of the workers compensation assigned risk pool, a lot of those business owners are in their state workers compensation risk pool. Roughly half of the clients I speak with don’t know that they are in the assigned risk pool, and/or have no idea what it is. Even fewer know the actual reason they are in the pool to begin with.

So, What is the assigned risk pool?

The IRMI (International Risk Management Institute) defines the assigned risk pool as “a method of providing insurance required by state insurance codes for those risks that are unacceptable in the normal insurance market.” In plain English that just means that it is meant to be a market of last resort for high risk policies, where the insured has not received voluntary offers directly from insurance carriers.

Depending on a number of factors, your business may not be an acceptable risk to standard carriers. Your agent may be submitting dozens of applications, and receiving declination after declination. In that event, you are fortunate to have access to workers compensation coverage through the state risk pool. Without it, you simply would not have access to coverage for work related injuries your employees may sustain.

The being said, more often than not, the clients I speak with have no business being in the assigned risk pool.

Different states, different rules

Each state has its own workers compensation risk pool. While many states use an organization called NCCI to administer their workers compensation program, there are some who administer their own program, as well as North Dakota, Ohio, Washington, Wyoming, Puerto Rico, and the U.S. Virgin Islands which are monopolistic funds.

The rules and requirements vary from state to state, especially when comparing NCCI administered states to independent and/or monopolistic states. It is always a good idea to speak with your agent if you have questions, or check with your local governing body. We have listed links at the very bottom of this page to many of the state insurance commission websites.

Why are the rates so high in the assigned risk pool?

This is a question I get asked all the time. The answer is really pretty straight forward: The assigned risk pool is meant to be a market of last resort for high risk companies, therefore the businesses who are in the assigned risk pool /SHOULD/ all be high risk operations. That being the case, the rates are meant to be commensurate with the risk the insurance companies are taking in insuring this group of high risk policies.

Rates vary from state to state, but in general it is safe to assume that the rates in the pool are the highest available for most workers compensation class codes. In fact, many standard voluntary market carriers use the assigned risk pool rates as a basis to discount their rates against.

Should you really be in the assigned risk pool?

The answer to the above question is often no. There are dozens of workers compensation insurance carriers in the United States, and all of their underwriting appetites are different. What would be a decline for many, may be what another specializes in.

For example, General Contractors are a very difficult class of business to write workers compensation for. There are very few carriers who are willing to write policies when more than 25% of the labor is subcontracted, let alone 75-85% of their labor being subcontracted as is standard with GC’s. That is not to say that you should be in the assigned risk pool though, because there are carriers who specifically write coverage for these types of operations.

Here are a few other common misconceptions on why an account is in the pool:

  • Less than three years prior coverage
  • High risk occupations such as roofing contractors and arborists
  • History of previous claims or losses
  • High employee turnover rate

The above reasons are mostly untrue. We write new businesses, with zero prior coverage, in standard voluntary markets every day. Just because you have had some claims doesn’t knock you out either. There are many carriers who will consider offering coverage for accounts with prior losses, and there are even carriers who prefer to write these harder to place risks. We also have carriers who like to write roofers, tree crews, and even cell phone tower installers. With regards to employee turnover, I am asked that question a handful of times out of hundreds of applications.

In reality, the most common reason I come across in dealing with companies who are in the assigned risk pool is that they are dealing with a captive agent. That is probably a term you have never heard before, but what is means is that they are only allowed to write business with one carrier. Examples of captive agents would be Nationwide, Allstate, State Farm, Farmers, etc. So, if you call your local captive agent and ask them to quote your business insurance, the only company they are able to offer quotes with is the one company they work for. What if that company doesn’t write workers compensation in your state, or they don’t write your class of business? You end up in the assigned risk pool.

Alternatively, independent insurance agencies are able to be contracted with various insurance companies. This gives independent agencies the ability to hunt for the best coverage, at the best price, with many different carriers. For more information on why an independent agent is the right choice for you business, check out this article.

Here are some valid reasons to be in the assigned risk pool:

  • Experience modifier above a 1.3 to 1.5
  • Major claim within the past two years, often in excess of $100k
  • Paying employees 1099 when they should really be W2
  • Low payroll or no payroll, generally below about $20K annual payroll is tough to place

Save money on your workers compensation by getting out of the pool

As I mentioned above we specialize in bringing clients out of the assigned risk pool. On average we are able to reduce the rate you are paying for your workers compensation coverage by 30-50% by obtaining coverage in the voluntary market. Despite the amount of payroll you are running, and the class code your labor falls under, the savings are almost always substantial.

In addition, the way you pay for your policy will likely change dramatically as well. With assigned risk pool policies insureds are generally required to pay either the entire annual premium or at least a 50% down payment. When coverage is secured in the voluntary market, carriers generally only require 10% down with ten equal monthly payments. There are also “pay-as-you-go “ options which require an even smaller down payment, and give the ability to report payroll on a monthly basis, paying only for what is actually used. Another perk of the latter option is that the carrier generally eliminates the annual audit since the payroll has been reporting monthly.

How to know if you are in the assigned risk pool

If you don’t know if your business is in the assigned risk pool, there are a few ways to figure it out.

First and foremost, just ask you agent! This should not be a secret, and if your agent has withheld this information from you…you need a new agent. If you are absolutely married to your agent because you have been with them for years and when you think about making a change you are left thinking “I wish I knew how to quit you,” something amazing will likely happen when you ask your agent if you are in the assigned risk pool. Nine times out of ten they are going to miraculously come back with a substantially better price for your renewal. If you would like to know WHY that is going to happen, read this little article about the _*types of insurance agents*_ out there.

The second option is to simply give us a call. Our agency, Viking Insurance Services, has access to the full list of all businesses currently in the assigned risk pool in the states we operate in. In a matter of about 5 minutes we can determine whether you are in the assigned risk pool, tell you if we think we can get you out, and give you an idea of what the rates will look like if we are successful.

The bottom line

The bottom line is that many of the businesses we speak with do not belong in the assigned risk pool and are paying significantly more than they should be for their workers compensation coverage.

We know your time is valuable, which is why we have streamlined our processes to take up as little of it as humanly possible. That said, I propose the following question: Would saving even 15% on your workers compensation premiums be worth a total of 10-15 minutes of your time?

Then what are you waiting for? Give us a call today to find out what Viking Insurance Services can do for you.

As promised, here are the links to your states insurance commission’s website:

Georgia State Board of Workers’ Compensation

North Carolina NC Industrial Commission Information for Employers

South Carolina SC Workers Compensation Commission

Virginia Employers | Virginia Workers’ Compensation Commission

TN Injuries at Work

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What is the Assigned Risk Workers’ Compensation Pool?

Sports make great analogies:.

For a large number of athletes that want to play sports after middle school, high school or college –  intramural leagues offer a great opportunity. Intramural leagues accept all kinds of athletes: new athletes, old athletes, good athletes, bad athletes, etc. Conversely, people who are talented and want to continue to play sports AND are lucky enough to make it pro have a whole different set of options available to continue playing sports.

Intramural leagues accept all participants and normally have a fee to play. The fee pays for field time, referees, equipment, etc. On the other hand, professional sports pay players to compete. Just as there are two levels in sports: intramural and professional, there are two “levels” of workers’ compensation insurance in the market place: 1) the intramural version is the assigned risk pool where all applicants are accepted and applicants pay more money than option 2) the professional sports version. The pro version is where insurance companies are picky with who they offer insurance to. Although the insurance companies won’t pay you to have workers’ compensation coverage, the coverage in the professional version is much less expensive than the intermural sports version.

For the amount of risk insurance companies take on, they are extremely risk-averse.

Workers’ compensation is federally mandated. What does a company do when they can’t purchase workers’ compensation in the preferred or voluntary market? They turn to the assigned risk workers’ compensation market. It is the market for new in-business and high-risk business operations. All applicants are accepted in the pool.

The pool is a collection of insurance companies that each state requires insurance companies to take part in. The insurance companies in the pool don’t want to be in the pool. They get out as soon as they can, only to have another insurance company replace them. Insurance companies take turns providing insurance to the pool.

Reasons to be in the pool:

  • New in business. Without a proven track record, how do you prove you are a claims-free safe company?
  • Risky business operations i.e. roofers or tree trimmers. There is an exception to this – when a risky operation becomes large enough there are voluntary markets that are willing to write their workers’ compensation. Companies that are large enough, have enough premium to support claims.
  • Ghost policies aka “if any” policies aka no payroll or zero payroll policies. This is common for businesses without employees, whose clients require workers’ compensation on a certificate.
  • An experience modifier that is out of control – when a company has too many claims.

As mentioned, insurance companies do not want to be in the assigned risk workers’ compensation pool. They do not know what kind of businesses they will have assigned to them to insure. Well…the pool plans for this and charges anywhere from 30% to 40% more than preferred or voluntary insurance companies. Likewise, the insurance companies in the pool take their time processing changes. They provide the least amount of personal service possible. They begrudgingly operate in the pool.

It’s important to work with your advisor to understand why you are in the pool and what you can do to improve your situation. sometimes the pool is your best option. other times, it is not. check out konen’s interactive graphic to learn more about workers’ compensation coverage: here, join our newsletter.

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  • Workers Compensation Codes

Assigned Risk Plan (The Pool)

A workers compensation term defined, described, explained.

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IMAGES

  1. Free Kansas Kansas Workers Compensation Labor Law Poster 2020

    kansas workers compensation assigned risk pool

  2. Guide to Kansas Workers’ Compensation Claims

    kansas workers compensation assigned risk pool

  3. Work Comp Premiums: Drowning in the Assigned Risk Insurance Pool

    kansas workers compensation assigned risk pool

  4. Assigned Risk Pools

    kansas workers compensation assigned risk pool

  5. Kansas Workers' Compensation: Laws and Requirements

    kansas workers compensation assigned risk pool

  6. Workers comp settlement chart: Everything you need to know

    kansas workers compensation assigned risk pool

COMMENTS

  1. Workers Compensation Division

    The Kansas Department of Labor Workers Compensation Division is responsible for the administration of the Kansas Workers Compensation laws and rules. Our goal is to ensure employees injured at work, employers, health care providers and insurance carriers receive timely, impartial and fair claim resolution.

  2. Assigned Risk Complete List

    You can submit assigned risk applications online, by phone and by mail. The free RMAPS® Online Application Service is the most convenient. It streamlines the application process by eliminating paperwork and mailing time. Posted Date: Current Tips for Completing Assigned Risk Professional Employer Organization (PEO) Arrangement Applications

  3. PDF Summary of the Proposed Kansas Workers Compensation Loss Cost and

    The National Council on Compensation Insurance (NCCI)1 is pleased to provide this summary of the accompanying proposed workers compensation insurance loss cost2 and assigned risk rate3 filing that was filed under separate cover on September 6, 2023, with the Kansas Insurance Department for its review and approval.

  4. Assigned Risk Plans

    This is a list of links to state workers compensation assigned risk plans and pools. Alabama—NCCI Holdings, Inc. Alaska—NCCI Holdings, Inc. Arizona—NCCI Holdings, Inc. Arkansas—NCCI Holdings, Inc. California—State Compensation Insurance Fund. Colorado—Pinnacol Assurance. Connecticut—NCCI Holdings, Inc.

  5. PDF WCIP Instruction Home Page

    7/18/2023 NCCI WCIP STATE INSTRUCTIONS WCIP Instruction Home Page Guide to Premium Calculation: Experience rating modification, if applicable Assigned Risk Adjustment Program (ARAP) factor, if applicable, applies to modified premium with a maximum surcharge of 1.49 Kansas Deductible insurance, if applicable

  6. Property & Casualty Companies

    Group Funded Workers' Compensation Pool Annual Information Municipal Funded Pool Annual Information Rating Organizations Application for New or Renewal License as a Rating Organization Risk Purchasing Group Risk Purchasing Group Initial Application Risk Purchasing Group Appointment of Attorney to Accept Service and Designation Form Change Form

  7. PDF Workers Compensation—State Fair Board

    The bill deletes out-of-date requirements for the workers compensation assigned risk pool to reduce both its assessments and its size (premium volume) before the years 1997 and 1999, respectively. Workers Compensation—Schedule Rating Finally, the bill deletes an exception in the law that disallowed schedule rating for workers compensation ...

  8. Workers Compensation

    Kansas Insurance Department 1300 SW Arrowhead Rd. Topeka, KS 66604 Phone: 785-296-3071 Consumer Hotline: 800-432-2484 (in state) Email: [email protected]

  9. Workers' Comp Insurance in Kansas

    If you cannot qualify for private or self-insurance, then you can get coverage through the Kansas assigned risk pool. If you are not sure whether your company must have insurance, then you should contact the state government The Department of Labor can answer questions about coverage. Buying Workers' Compensation in Kansas

  10. Kansas Workers' Compensation

    Corporate Officers who are included in coverage must utilize a minimum payroll of 1,000 per week ($52,000 Annual) and a maximum weekly payroll of $4,100 ($213,200 Annual) in order to calculate the cost of workers' comp insurance. Kansas Workers' Compensation Verification

  11. Kansas Workers' Compensation Insurance for Employers

    Do all employers in Kansas have to have workers' comp coverage? In the state of Kansas, almost all employers (with limited exceptions) must provide workers compensation insurance coverage for employees. This includes family members, part- and full-time workers, and leased employees.

  12. Statute

    (q) "Group-funded self-insurance plan" includes each group-funded workers compensation pool, which is authorized to operate in this state under K.S.A. 44-581 through 44-592, and amendments thereto, each municipal group-funded pool under the Kansas municipal group-funded pool act which is covering liabilities under the workers compensation act ...

  13. KWORCC

    What is KWORCC? A Workers' Compensation self-funded pool providing quality services designed specifically for Kansas counties; Formed and approved under the laws of the State of Kansas; Owned and directed by the members through an elected Board of Trustees; Financially successful since January 1, 1992;

  14. Workers Compensation Assigned Risk Plans

    Assigned risk plans are established by the states as a safety net for employers that are unable to obtain workers compensation coverage from "regular" insurers. They are the market of last resort for employers that would otherwise have no source of coverage. All states except monopolistic states have established a plan.

  15. Workers' Compensation Laws in Kansas and Missouri

    Purchasing workers' compensation insurance through an assigned risk pool can be cost-prohibitive for many small and mid-sized employers and is therefore usually the last resort to obtain coverage. The good news is that Missouri employers can work with Axcet HR Solutions to meet their workers' compensation obligations.

  16. Assigned risk

    Solving tough workers comp challenges. For businesses unable to secure workers compensation coverage in the traditional marketplace, assigned risk insurance from Liberty Mutual can help. We offer this vital service in more than 26 states, providing workers compensation solutions to customers that may not qualify for coverage in the standard ...

  17. Workers' compensation requirements for your state

    Workers' compensation insurance can be purchased from private carriers or — if a high-risk company — from the Kansas Assigned Risk Pool. Kansas employers can also self-insure, meaning they can pay their own workers' compensation claims instead of submitting them to an insurance company.

  18. What Is The Assigned Risk Pool, and Why Are You In It?

    The answer is really pretty straight forward: The assigned risk pool is meant to be a market of last resort for high risk companies, therefore the businesses who are in the assigned risk pool /SHOULD/ all be high risk operations.

  19. What is the Assigned Risk Workers' Compensation Pool?

    Just as there are two levels in sports: intramural and professional, there are two "levels" of workers' compensation insurance in the market place: 1) the intramural version is the assigned risk pool where all applicants are accepted and applicants pay more money than option 2) the professional sports version. The pro version is where ...

  20. Assigned Risk Plan

    You'll find work comp rates in the pool are higher. Not only are the rates higher but another significant factor that could be applied and could make a big increase in the premium paid is the application of the ARAP factor. You'll find that somewhere around 10% of all insured employers found within NCCI governed states are swimming in the pool!

  21. Residual Market

    The Massachusetts Workers' Compensation Assigned Risk Pool was created by statute to provide a means for Massachusetts employers, who could not obtain coverage in the voluntary market, to satisfy their obligations under M.G.L. Chapter 152.

  22. Assigned Risk Plans

    Workers' compensation regulations are regulated by each individual state. A few federal statutes exist, but these are reserved only for employees who fall under federal employment. A workers' compensation insurance policy that falls into the "assigned risk" category may look just like any other workers' compensation insurance plan.