The Details

Workers’ Compensation

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Workers’ Compensation

Appetite Guide

We’re proud to have the underwriting pen for our nation’s top carriers rated “A” by A.M. Best Company. By understanding your clients’ exposures, we can provide solutions that meet the risk tolerance and economic goals of your customers.

Agriculture

  • $10,000 minimum premium
  • Trucking exposures
  • FLCs, H2A exposures
  • No poultry processing, livestock or equine

Auto Service & Repair

  • Auto dismantlers
  • Auto body repair
  • Tire Sales
  • Garages

Construction

  • Artisan Contractors
  • Framers ($150,000 minimum premium)
  • General contractors with two full-time employees
  • Carpentry
  • Solar Installation
  • Landscape

Food Services

  • Manufacturing and processing
  • No delivery

Habitational

  • Janitorial
  • Apartment Operations

Manufacturing

  • Machine shops
  • Cabinet manufacturing

Mercantile

  • Check cashiers
  • Recycling
  • Iron scrap dealers

Transportation

  • Bus and limo (sightseeing tours, airport NOC 30 days)
  • Mail/parcel /package delivery (less than 100 miles)

Workers’ Compensation

Carriers & Sales Tools

It is important to select a carrier that has proven through their experience, financial strength and stability that they can weather all types of storms – not only for today but for years to come. Arrowhead handles every aspect of your client’s policy from the moment a submission is received including underwriting, policy issuance, endorsements, billing, final audits, renewals and customer service.

Everest

Everest

Admitted A+ (XV) rated by A.M. Best Company.  This leading global reinsurance and insurance organization has been a partner of Arrowhead’s workers’ compensation program for well over a decade.  Everest’s insurance arm draws upon impressive global resources to tailor each policy to meet the individual needs of our customers. For over 40 years, they have maintained their discipline and focus on creating long-term value through underwriting excellence and strong risk management.

Everest offers a driver observation program (Safety First), a collaborative communication tool to optimize safety performance (ZERO), a free Human Resources service that offers unlimited access to a law firm specializing in Employment Law (HELPLINE), and much more.

Sales Tools

Everest Quote Presentation

United Wisconsin Insurance Company

United Wisconsin Insurance Company

Admitted A (IX) by A.M. Best Company. Backed by the reach, knowledge and best practices of their holding company, AF Group, United Wisconsin Insurance Company (UWIC) is one of the nation’s leading workers’ compensation insurance organizations. Their business model focuses on managing risk and minimizing loss for our policyholders, while creating a safer, productive work environment for their employees.

Sales Tools

United Wisconsin Insurance Company Quote Presentation

Munich

Munich

Admitted A+ (XV) rated by A.M. Best Company. Founded in 1917, Munich’s business model is based on the combination of primary insurance and reinsurance under one roof.  In fact, they are one of the world’s leading reinsurers. Policyholders with Munich Re can expect a prospective, prudent and responsible approach to risk management.

Sales Tools

Munich Quote Presentation

Workers’ Compensation

Quote & Service

Competitively priced quotes with carriers rated “A” by A.M. Best Company are ready for presentation in less than 5 minutes.

We recommend submitting all business through our online quoting portal to receive preferential treatment of the market.

By using our secure online portal, www.ArrowheadExchange.com, you will receive the following advantages:

  • Clearance 120 days from the effective date
  • Three-step process to bridge the Acord 130 directly into the online submission
  • Instant quotes on eligible accounts
    • No documents or underwriting review until request to bind coverage is received
  • FEIN search tool to verify if an account is blocked
  • Industry specific supplemental applications
  • Option to send to additional markets through our affiliate wholesaler when the risk falls outside our quoting parameters
  • Commission statements and other agency-level reports
  • Policy documents, real-time loss runs and plan of action reports
  • Billing history, officer information, and other policy details
  • Access to Marketing Tools and Servicing Resources at any time

California accounts below $20,000 in manual premium must be submitted online. Our system will confirm eligibility and generate the required submission documents. No documents or underwriting will be required until the time of binding.

Submissions above $20,000 in manual premium must include the supplemental application, 3-4 years of currently valued loss runs and the updated Acord 130. Multi-state accounts must be submitted via email to [email protected].

Workers’ Compensation

Customer Service
& Endorsements

Our goal is to provide the highest quality service to our producers and policyholders. With extended hours, our customer service team can provide status of audits, billing transactions, cancellations/reinstatements, endorsements, loss run requests, policy issuance, and submissions.

We also aim to complete 90 percent of endorsement transactions within 10 business days. Increased volume during peak quarters may affect this processing time. Requests can be sent to [email protected].

Reach out to us for a variety of tasks for the duration of the policy term including:

  • Explanation of billing transactions
  • Marketing & underwriting contact info
  • Credit card payments
  • General information about all of Arrowhead’s commercial programs
  • Instructions on filing an audit dispute, reporting a claim or requesting loss runs

Contact Information

866.401.2111 x2212
[email protected]
Mon. – Fri. 5am to 5pm PST

Workers’ Compensation

Claims Handling

Each of our workers compensation carriers use the expert and efficient claims handling through our wholly owned subsidiary, American Claims Management, Inc. (ACM).  ACM is a carrier-minded claims administrator, who works closely with our underwriting department.  In fact, we are housed in the same location.

Our goals are aligned to reduce claims costs and improve the profitability of our program.   ACM provides superior outcomes as a direct result of their professional team, advanced technology and pricing integrity.  With ACM as your claims administrator you will receive the following competitive advantages:

  • A dedicated claims adjuster who will contact our mutual client within 24 hours of bind confirmation
    Introduction from adjuster will include a review of our claims kit, claims reporting options, and medical provider network
  • Quarterly or semi-annual claims reviews and advanced reporting services (upon request)
  • Dedicated in house team focused on medical cost containment, aggressive fraud investigation, and recoveries
  • Experienced and bilingual adjusters have a minimum average of 7 years of claims experience
    Management team has an average of 22 years of claims experience
  • Lowered costs with integrated technology
  • Real-time loss runs and Plan of Action reports
    Monthly, quarterly or semi-annual report subscriptions are available (upon request)

Workers’ Compensation

Claims Handling

Each of our workers compensation carriers use the expert and efficient claims handling through our wholly owned subsidiary, American Claims Management, Inc. (ACM).  ACM is a carrier-minded claims administrator, who works closely with our underwriting department.  In fact, we are housed in the same location.

Our goals are aligned to reduce claims costs and improve the profitability of our program.   ACM provides superior outcomes as a direct result of their professional team, advanced technology and pricing integrity.  With ACM as your claims administrator you will receive the following competitive advantages:

  • A dedicated claims adjuster who will contact our mutual client within 24 hours of bind confirmation
    Introduction from adjuster will include a review of our claims kit, claims reporting options, and medical provider network
  • Quarterly or semi-annual claims reviews and advanced reporting services (upon request)
  • Dedicated in house team focused on medical cost containment, aggressive fraud investigation, and recoveries
  • Experienced and bilingual adjusters have a minimum average of 7 years of claims experience
    Management team has an average of 22 years of claims experience
  • Lowered costs with integrated technology
  • Real-time loss runs and Plan of Action reports
    Monthly, quarterly or semi-annual report subscriptions are available (upon request)

Workers’ Compensation

Final Audits

All Workers’ Compensation policies are subject to a final audit. Arrowhead and all its audit vendors conduct voluntary, telephone and physical audits depending on the written premium and carrier.

Audit Worksheets can only be sent to the insured. To dispute a final audit, the policyholder must submit a formal letter on a company letterhead, signed by an officer, along with supporting payroll records. Indicate specifically what is being disputed and provide supporting records.

Payroll

Provide supporting payroll records and/or documentation.

Dual Wages

Supply time cards and corresponding paystubs for the employee(s) in question.

Classifications

Specify the employee(s) in question, their payroll(s), and a detailed description of their specific duties.

Workers’ Compensation

Help & Training

Each agency can setup multiple user credentials to address various business operations.  These short, helpful training videos will enhance your user experience.

Our Technical Support department is also standing by to assist with portal navigation and password assistance.

tech support

866.401.2111 x6844
[email protected]
Mon. – Fri. 6am to 5pm PST

Workers’ Compensation

Marketing

Each agency has a dedicated marketing representative who will provide you all the tools you’ll need to succeed. With relationships going back at least ten years, these liaisons will go the extra mile to be sure your overall experience with Arrowhead is outstanding. Reach out to schedule a training or ask a question.

For contracting and licensing information of all of Arrowhead’s products, our Marketing Operations is standing by to assist.

Contact Information

866.401.2111 x8733
[email protected]
Mon. – Fri. 8am to 5pm PST

Product Specialists

Michele Mayer
Business Development Leader
Northern California & Nevada
916.462.5215

Bethany O’Reardon
Business Development Leader
Southern California & Arizona
619.325.2324