$8.8 Million Dividend to be Paid to 4A’s Workers’ Compensation Program Policyholders

The 4A’s Workers’ Compensation program provided a record covered payroll amount of $13 billion, while insured employees increased to 156,000.  The captive since its inception has returned $275 million in cumulative dividends back to its members.

The Program’s Board of Directors, which is comprised of 4A’s member representatives and specialized counsel, declared the dividend in July’s meeting.  The $8.8 million dividend equals 50% of Policy cost and 77% of total Premium cost (Policy cost includes terrorism charges, surcharges, and taxes.  Premium cost, the term most commonly used, excludes these expenses).

The Program, which has paid a dividend every year in its 40 + year history, enjoys a dominant share of the market, insuring over 70% of the industry’s advertising and marketing communication companies.  By spreading claims risk and administrative costs across such a large group, the 4A’s Workers’ Compensation Program continues to provide the lowest year-over-year net cost available in the industry.

Participation in the program ranges from the very small independents to the very large holding companies.  The program’s profit, which in other insurance policies is retained by the insurance carrier, is returned to each member in the form of a dividend.

If you do not participate in the program and would like to obtain a quote, please e-mail the face pages of your in-force policy to:  [email protected] 

Due to State monopolies in this insurance line, we are unable to write coverage for employees in the following states:  North Dakota, Ohio, Washington, Wyoming – and Puerto Rico.