trust factswhy participatetestimonials


Why Participate?


 Aggressive Claims Management

  • Dedicated Claims team located in Waterville, Maine
  • Common goal between the claims team and members; help injured workers secure better treatment so they can return to work as soon as possible with fewer lost days.
  • Dedicated Lost Time and Medical Only Adjusters
  • Dedicated Nurse Case Manager
  • Claims team creates action plan with injured worker, supervisor, and physician to steer the claim in a positive direction

Loss Control

  • Safety/Loss Prevention Expert on Staff
  • Monthly Safety Poster Program
  • Guidance in Establishing A Safety Program to fit individual member needs
  • Continuing Update on Compensation Laws and OSHA Regulations


  • Governed by a Board of Trustees, Elected by Members
  • Regulated by the Maine Bureau of Insurance
  • Competitive Pricing
  • Dividends returned to members for good performance
  • Stable environment; unlike the carrier market, our services and appetite do not fluctuate regardless of market conditions
  • Excess insurance for catastrophic coverage provided by Midwest Casualty Corporation (A+ rated)