MAP Partnership Program
The FWCJUA has partnered with CompLinx in a program to provide greater access to and assist in the placement of coverage in the voluntary market for employers applying for or securing coverage through the FWCJUA. CompLinx provides direct access to additional markets directly or through wholesalers providing increased class code and loss ratios. These carriers have expanded their underwriting guidelines to accept a wide range of classes and loss history due to the FWCJUA surcharged premiums. CompLinx does not sell insurance but assists in the negotiations with carriers/wholesalers in regards to the commission paid to the agents. Typically, the “co-broker” commission will be more than the commission paid on an individual account bound through the FWCJUA making this a win-win situation for all. Authorized agencies and their designated producers may register directly with CompLinx at www.CompLinx.com and for a monthly fee submitted directly to CompLinx, will be able to co-broker business with CompLinx to markets the authorized producer may not usually have access to. Otherwise, the authorized producer may continue to submit business “as ususal”, at which point the FWCJUA shall run the authorized producer’s application submissions through the CompLinx system.

Special Products and Programs
In addition to providing workers' compensation and employer's liability to Florida businesses of all sizes, the FWCJUA also has several products and rating plans designed to control costs and ensure safer workplaces. We also have special programs in place that address the specific requirements of certain industries.

Domestic Workers
The FWCJUA offers workers compensation coverage to both part-time and full-time domestic workers on a per employee basis. See rate pages for the per capita rate. In addition to providing coverage for traditional domestic workers, the FWCJUA has an additional classification code, 0916 - Domestic Workers - Inside - Includes Babysitting Service, Home Health Care Service.  This code applies specifically to domestic workers providing home help services to families with children, convalescent, aged, acutely or chronically ill or disabled persons. Refer to the Coverage and Rating Rules and Procedures section of the FWCJUA Operations Manual for further details and rate information for class code 0916.

Roofers - Special Deposit Program
The FWCJUA requires roofing Employers to estimate an annual payroll or exposure amount based on one employee using one-half the state's annual wage to compute the total estimated annual premium at time of application and/or policy renewal. If, however, upon final audit no payroll actually develops, a refund will be made to the Employer adjusting the final earned premium to Code 5551's minimum premium plus the FWCJUA flat fee; (See Miscellaneous Values pages for minimum remuneration to calculate the special deposit)

Employee Leasing Arrangements
The FWCJUA requires employee leasing companies to secure coverage for leased workers on a multiple coordinated policy (MCP) basis. This means that the leasing company shall secure coverage for its direct employees under a policy issued in its name while also securing coverage for workers it leases to a client under a policy issued in the client's name. The policy issued in the client's name provides coverage for the workers leased from the leasing company and does not provide coverage for the clients other workers leased or non-leased. Therefore, a leasing company with 100 clients for which it secures the workers compensation insurance would submit 101 applications to the FWCJUA, one for its direct employees and one for each client. If eligible for coverage, the FWCJUA would issue 101 policies and coordinate the billing of those policies such that the leasing company receives a master invoice. Should you need to make application for an employee leasing company, please contact a FWCJUA underwriter at (941) 378-7400 for detailed instructions on how to properly submit the applications to secure coverage on a MCP basis.

Payroll Service with Premium Withholding Program:
This program is optional and available only to eligible Employers with payroll, as it requires an Employer to execute two service agreements with Paychex®, our partner in this program, within 14 calendar days of coverage being bound for the Employer. The two agreements are the Paychex Florida Workers' Compensation Joint Underwriting Association, Inc. Workers' Compensation Payment Service Agreement and the Paychex Services Agreement electing, at a minimum, Taxpay® . The Employer shall be responsible for the payment of all Paychex® fees under these two agreements, and the Employer must maintain his or her agreements with Paychex in good standing throughout the policy period. Failure to timely execute the two required agreements with Paychex or to maintain said agreements in good standing shall result in the cancellation of the Employers policy.
Exception: The following types of Employers shall not be eligible for this program:
(1) labor contractors (e.g., PEO), (2) temporary help services, (3) Employers aware of pending bankruptcy procedures, and (4) Employers who do not report and maintain employees under their policy, and (5) Employers seeking coverage for domestic servants.

Modified Deposit and Advance Premium requirements
An employer, who chooses to participate in this program by completing the FWCJUA Payroll Service with Premium Withholding Agreement (FWCJUA 04 04), shall be required to submit an advance premium equal to 1/6 of his or her total estimated annual premium plus the $475 application fee, regardless of the Employer's total estimated annual premium. The Employer shall not be required to submit a deposit premium, regardless of the Employer's total estimated annual premium.

Coverage in Other States
Coverage for Florida employees working in other states is provided only on an incidental basis under your basic FWCJUA policy.  Employers who have a known or anticipated exposure in another state requires a separate policy in the state where the exposure exists. If you need other states coverage, please contact a FWCJUA underwriter.

Waiver of Subrogation
The advisory Waiver of Our Right to Recover from Others Endorsement (WC 00 03 13) may be attached to a standard FWCJUA policy to provide a waiver of subrogation only if required of the Insured Employer by contract.   A copy of the contract requiring the waiver of subrogation is required including the estimated payroll and class code associated with the contract.  A $250 minimum charge will apply or the actual premium generated from the estimated payroll, whichever is greater.

Experience Rating Plan
Experience rating is a way to calculate premium based on a company's individual loss experience. If your losses are lower than expected for your industry group, you will receive a premium credit. If your losses are higher, your premium will be increased. Attention to effective safety practices should result in fewer losses and lower premiums for all businesses.

FWCJUA Rating Plans
There are three established rating tiers for various classifications of risk which reflect risk of loss, hazard grade, actual losses, size of premium, and compliance with loss control.

All Employers shall be assigned to one of three rating tiers. The eligibility criteria, applicable rates, applicable surcharges and assessable features for each of the three rating tiers are given below:

Tier One: (Rated and Non-rated Employers with good loss experience)

Eligibility Criteria for Rated Employers


• Experience modification of less than 1.00 and
• No lost-time claims subsequent to the applicable experience modification rating period and
• Total medical-only claims subsequent to the applicable experience modification rating period did not exceed 20% of premium.

Eligibility Criteria for Non-rated Employers


• No lost-time claims for the immediately preceding 3 years and
• Total medical-only claims for the immediately preceding 3 years did not exceed 20% of premium and
• Workers compensation coverage was secured for the immediately preceding 3 years and
• Provides the entire loss history with corresponding policy premium generated by prior workers compensation Insurer(s) for the immediately preceding 3 years and
• Not a new business.

Note:


1. For rated Employers, the phrase "subsequent to the applicable experience rating period" refers to the experience period beginning on the first date immediately following the last date included within the Employer's applicable experience modification rating, for purposes of securing FWCJUA coverage, through the date immediately preceding the inception or renewal date of the FWCJUA policy.
2. A rated Employer shall provide his or her applicable experience rating worksheet at time of application.
3. A rated Employer shall provide his or her entire loss history with corresponding policy premium generated by his or her prior workers compensation Insurer(s) for the rating period subsequent to the applicable experience rating period through the inception or renewal date of FWCJUA coverage.
4. For non-rated Employers, "immediately preceding 3 years" is defined as 3 years prior to the inception or renewal date of the FWCJUA policy.
5. A non-rated Employer who has not elected to secure workers compensation insurance coverage for his or her operations during any portion of the immediately preceding 3 years is deemed ineligible for Tier One.
6. A rated or non-rated Employer who is unable to produce the required loss history with corresponding policy premium generated by prior workers compensation Insurer(s) is deemed ineligible for Tier One. Exception: If the Employer is unable to provide this information due to the insolvency of an Insurer, the Employer must submit the loss history and corresponding policy premium generated by the Receiver for the insolvent Insurer; however, if the Receiver is unable to produce such information, the Employer may submit an affidavit from the Employer and the Employer's insurance agent setting forth the loss history and the corresponding policy premium.

Applicable Rates


• FWCJUA rates with Tier 1 minimum premiums

Applicable Surcharges & Fees


• $475 flat fee
• 10% above voluntary comparable premium

Assessability Feature


• Tier 1 is not assessable.

Tier Two: (Rated Employers with moderate loss experience and Non-rated Employers with limited or no loss experience)

Eligibility Criteria for Rated Employers


Experience modification of equal to or greater than 1.00 but less than or equal to 1.10 and

No lost-time claims subsequent to the applicable experience modification rating period and

Medical only claims that do not exceed 20% of premium subsequent to the applicable experience modification rating period. Eligibility Criteria for Non-rated Employers

No loss experience or less than an immediately preceding 3 years of loss experience with

1. No lost-time claims for the immediately preceding 3 years and
2. Medical-only claims that do not exceed 20% of premium for the immediately preceding 3 years.

 

 

Note:


1. For rated Employers, the phrase "subsequent to the applicable experience rating period" refers to the experience period beginning on the first date immediately following the last date included within the Employer's applicable experience modification rating, for purposes of securing FWCJUA coverage, through the date immediately preceding the inception or renewal date of the FWCJUA policy.
2. A rated Employer shall provide his or her applicable experience rating worksheet at time of application.
3. A rated Employer shall provide his or her entire loss history with corresponding policy premium generated by his or her prior workers compensation Insurer(s) for the rating period subsequent to the applicable experience rating period through the inception or renewal date of FWCJUA coverage.
4. For non-rated Employers, "immediately preceding 3 years" is defined as 3 years prior to the inception or renewal date of the FWCJUA policy.
5. A rated or non-rated Employer who is unable to produce the required loss history with corresponding policy premium generated by prior workers compensation Insurer(s) is deemed ineligible for Tier Two. Exception: If the Employer is unable to provide this information due to the insolvency of an Insurer, the Employer must submit the loss history and corresponding policy premium generated by the Receiver for the insolvent Insurer; however, if the Receiver is unable to produce such information, the Employer may submit an affidavit from the Employer and the Employer's insurance agent setting forth the loss history and the corresponding policy premium.

Applicable Rates


• FWCJUA rates with Tier 2 minimum premiums

Applicable Surcharges & Fees


• $475 flat fee
• 64% above voluntary comparable premium

Assessability Feature


• Tier 2 is not assessable.

Tier Three: (Rated and Non-rated Employers with "poor" loss experience)

Eligibility Criteria


• Includes all insureds within the plan that are not eligible for Tier One or Tier Two.

Applicable Rates


• FWCJUA rates with Tier 3 minimum premiums

Applicable Surcharges & Fees

• $475 flat fee
• 145% above voluntary comparable premium and the Assigned Risk Adjustment Program (ARAP)

Assessability Feature

• Tier 3 is an assessable rating tier. Employers qualifying for Tier 3 shall receive an assessable policy and shall be required to contribute on a pro-rata-earned-premium basis the money necessary to meet any assessment levied to cover any deficit attributable to Tier 3. Participants in Tier 3 may be assessed more than once, and any assessment may be made either while the Tier 3 policy is in effect or at any time after the termination, expiration or cancellation of the Tier 3 policy. Assessments levied against Tier 3 participants shall cover only the deficits attributable to Tier 3.

Assigned Risk Adjustment Program (ARAP)(This Program only applies to Tier 3)
ARAP was developed to surcharge insureds with a record of losses greater than expected under the current Experience Rating Plan. ARAP targets experience rated risks with poor loss records to share in the underwriting losses of the FWCJUA. Employers are eligible for the ARAP if they are in the FWCJUA and qualify for an experience rating modification.

Deposit Premium
A deposit premium is required to secure or renew coverage in the FWCJUA. At final audit, the deposit will be applied to any earned premium due or to the renewal premium (not to the renewal deposit). A similar deposit shall be required at renewal. The amount of deposit premium is dependent upon the total estimated annual premium.

If the total estimated annual premium is less than or equal to $4,500, the amount of deposit premium payable must be equal to 50% of the total estimated annual premium. If, however, total estimated premium exceeds $4,500, a deposit premium is not required.

Advance Premium
An advance premium is also required to secure or renew coverage in the FWCJUA. If total estimated annual premium is less than or equal to $1,000, the amount of advance premium payable must be equal to the total estimated annual premium.

If the total estimated annual premium exceeds $1,000, the amount of advance premium payable shall be at least 50% of total estimated annual premium, but not less than $1,000. In addition, payments equal to the remaining balance in three equal payments rounded upward to the nearest dollar are payable three (3) months, six (6) months, and nine (9) months from policy inception.

Additional information on the deposit and advance premium requirements may be found in the Coverage and Rating Rules and Procedures section of the FWCJUA Operations Manual.

Anniversary Rating Date (ARD)
Application of the Anniversary Rating Date (ARD) rule for rating FWCJUA policies has been discontinued effective March 1, 2003. If, however, a policy is cancelled and rewritten by the FWCJUA within 60 days, all rules, classifications and rates applicable to the rewritten policy will be those that were in effect at the inception of the cancelled policy provided (1) no voluntary coverage was afforded during the lapse and (2) the rewritten policy's inception date is prior to the cancelled policy's normal expiration date.

Mandatory Safety Program - Premium Credit
The FWCJUA is committed to promoting safety in the workplace through the aggressive pursuit of safety programs for individual employers insured by the FWCJUA.

The FWCJUA shall provide all Policyholders through its Service Provider, Travelers, in conformance with generally accepted insurance industry practices and according to the specifications provided below: loss control, safety and industrial hygiene surveys, consultations, and related services.

Employers applying for or renewing coverage will be required to acknowledge that they will comply with the FWCJUA safety program. Subsequently, at policy issuance, the FWCJUA through its service provider, Travelers, shall notify the employer that participation in the safety program is mandatory and provide materials regarding the safety program including standardized, industry-specific safety and loss control practices to which the employer must comply. The employer will also be notified that failure to demonstrate substantial evidence of compliance or intent to comply with the safety program may result in disqualifying the employer from eligibility within either certain rating subplans or the FWCJUA, thereby resulting in the cancellation of the employer's policy. Additionally, the FWCJUA shall begin issuing notices of cancellation if after thirty days (in lieu of the previous 90 days) from submission of reasonable loss control recommendations the policyholder has failed to demonstrate substantial evidence of compliance or intent to comply therewith.

To obtain more information concerning specific Loss Control and Safety Services or how to obtain any related premium credits provided by the FWCJUA, refer to the FWCJUA Operations Manual or contact Travelers at 1-800-247-7218.

Florida Drug Free Workplace Premium Credit
The FWCJUA in its continuing commitment to safety in the workplace provides a premium reduction of 5% for those Employers who maintain a drug free workplace in accordance with the rules as established by the Division of Workers' Compensation of the Florida Department of Labor. The credit will be applied on a pro rata basis as of the date of receipt of the certification by the service provider. Certification is required for each year in which a premium credit is permitted. For more details, please refer to the FWCJUA Operations Manual.

Florida Contracting Classification Premium Adjustment Program (FCCPAP)
For those contractors who meet the eligibility requirements, the FWCJUA offers the premium credit associated with the Florida Contracting Classification Premium Adjustment Program. The eligibility requirements and specific rules for calculating the premium discounts are available by consulting the FWCJUA Operations Manual or by contracting NCCI at 1-800-622-4123 or via the internet at http://www.ncci.com/.

Admiralty Law 
Only the $25,000 standard limit of liability under Part Two-Employers' Liability Insurance for admiralty insurance under Program I or II is available through the FWCJUA.  Increased limits are not available.

A separate minimum premium of $100 Program I, $200 Program II, applies to a policy which includes classifications for operations subject to admiralty law.  Such minimum premium is the lowest premium for insurance admiralty operations and it shall apply in addition to the minimum premium or premium for other operations on such a policy.  It is not subject to an experience rating modification.

Outstanding Debt
Any person deliquent in the payments of premium assessments, penalties, or surcharges owed to any carrier will be required to pay the debt in full prior to obtaining insurance throught the FWCJUA.

Workplace Safety
Workplace Safety Initiative

For more information on any of these special products and/or programs, please call an FWCJUA representative at 941-378-7400 or e-mail underwriting@fwcjua.com.

Committing FRAUD is a crime!