Explore our FAQs

Yes, we develop a support team for each agency and policyholder. Our agency partners receive a dedicated underwriter and each policyholder, regardless of premium size, receives a designated claims adjuster, loss control consultant and account manager. This personalized focus ensures timely communication and provides the agent and policyholder with direct points of contact.

Yes, we offer small to large deductibles up to $250,000 with optional aggregate limits, where allowed by states. Deductibles are a great option that can, in certain states, help control the Experience Modification Rate (EMR). Deductibles are a sound alternative for accounts who want to take on more of the workers’ compensation risk without the high exposures of a captive plan. We follow each individual state’s mandate for reporting losses to NCCI whether that is net or gross of the deductible. Missouri allows the carrier to choose whether to report net or gross and we are one of only a few carriers that have opted to report Missouri losses on a net basis.

Yes, we do provide Waivers of Subrogation. We can provide both blanket waivers and single endorsements. Additionally, we can provide USL&H (Longshoreman), the Kotecki Waiver, and Stop Gap coverage.

Yes, to ease some of the time intensive tasks our agency partners face, we created the Rate and Renewal Comparison Report, NCCI Verification Report, Executive Summary Report, Renewal Report, and several other agency-specific reports which are available on our secure portal.

If the account is taking their current employees from the state of coverage into a state outside of coverage for a short-term project, we can provide coverage through part 3C on the policy – All Other States Except Monopolistic. Issues only arise If the account establishes permanent operations or hires from a state we are not currently licensed in, or if the work being performed becomes a long term project, typically defined as exceeding 60 days in length.

Yes, monthly self-reporting is a payment plan option and can be completed easily through our secure portal. We do not require that a third-party payroll company be utilized. However, because premiums are paid in arrears we are required to obtain a security deposit for all policyholders using monthly self-reporting equal to 15% of their estimated annual premium. Additionally, a payroll audit is still completed for policies utilizing monthly self-reporting.

We have several different payment plan options available to policyholders and are willing to create specialized plans in certain situations. There is no charge for policyholders electing to utilize the installment payment plan option.

Each policyholder, regardless of premium size, participates in an on-boarding process where they are introduced to their designated team members. This team includes an assigned loss control consultant, claims adjuster, and account manager. During the on-boarding process, the policyholder is set up on our portal, the payment plan is reviewed, and those utilizing monthly self-reporting are shown how to report premiums and remit payment. Additionally, we will provide an overview of the claims reporting process as well as the safety and risk management materials that are available.

We keep our submission process trouble-free and efficient. Simply email the application, 3-5 years loss experience, the desired quote by date, and the current EMR worksheet to Underwriting@WaypointMutual.com. A narrative about the account and any helpful information related to loss history is always appreciated but is not required. If questions arise during the underwriting process, please feel free to call or email the designated account manager or underwriter assigned to the account.

Yes, our agency partners can view several claim reports as well as our Risk Control Surveys from the agency portal. We also provide agency partners with a claim confirmation when a new Report of Injury is received and if we are notified of a catastrophic claim the designated claims adjuster will promptly notify the agency partner. Our underwriters keep the agent informed of general concerns, safety issues or claims activity that may have an impact on the upcoming renewal. We take great pride in timely communication with our agent partners and working collaboratively to help address any concerns or issues with an account.