Even then, the employer does not have the comprehensive package of services or the protection provided by carrying a workers' compensation policy. When you meet with nonsubscriber clients to discuss their business needs, talk to them about us and these key points. Loss prevention consultations, safety programs and, if necessary, employee safety training are included in the policy premium. There are no hidden charges for a policyholder. Pricing considerations for nonsubscribers are the same as for employers who have been subscribers.
Pricing is based on the merit of each business and the completeness of the application.
There is no penalty fee or rating increase because the employer has been a nonsubscriber. If you have questions about a submission for a current nonsubscriber, call your underwriter. Two informational brochures are available without charge that focus on workers' compensation issues. The first brochure, It's time for a serious talk about workers' compensation insurance , is for agents to present to current nonsubscriber prospects. It is designed to display a stamp or sticker with the agency name, address and phone number on the front.