The following are answers to frequently asked questions about the assigned risk market and Liberty Mutual’s coverage and procedures. Click on any question to be taken to the answer.
Workers Compensation-Only Questions
Workers Compensation and Commercial Automobile Questions
Commercial Automobile-Only Questions
Workers Compensation Questions
Q. Which states can we add to our policy?
A. Since each state has specific rules, please call us at (800) 653-7893 or e-mail us at
IMS@LibertyMutual.com
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Q. How can we lower our premium?
A. Work with your broker/agent to determine whether you can obtain coverage from a voluntary carrier, to decide whether it is advisable for any executive officers of the corporation to exclude themselves from coverage, and to verify that all class codes and estimated payrolls are accurate.
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Q. Can we add a Waiver of Subrogation or an Alternate Employers endorsement?
A. Since each state has specific rules, please call us at (800) 653-7893 or e-mail us at
IMS@LibertyMutual.com.
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Q. Who determines our Experience Modification and how is it determined?
A. The NCCI or state bureau calculates any experience modification factors. The calculation takes into account the prior 45 months of policy premium and loss history. Qualification is based on state premium guidelines.
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Q. How do we request workers compensation certificates of insurance?
A. In states where the agent can issue certificates, contact your agent. Otherwise, submit your certificate request to us in writing. Include the physical address of the certificate holder and mailing address of the policyholder and agent. Fax this information to the following number(s) depending on which state(s) you’re requesting the certificate(s) for:
AL, AR, CT, DC, DE, GA, IL, IN, MI, MS, NC, NJ, SC, TN, VA, WI:
Fax: (715) 843-2649
For:
IA, KS, MA, NH, NV, VT:
Fax: (603) 245-5330
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Q. How do we find out the commission scale for a particular state?
A. Since each state has specific rules, please call us at (800) 653-7893 or e-mail us at IMS@LibertyMutual.com.
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Q. How do we contact the NCCI or other state rating bureau? A. You can find contact information for NCCI at its Web site, www.ncci.com.
Each of the following states has its own rating Web site:
Indiana - www.icrb.net
Michigan - www.caom.com
Delaware - www.dcrb.com
Massachusetts - www.wcribma.org
New Jersey - www.njcrib.com
North Carolina - www.ncrb.org
Wisconsin - www.wcrb.org
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Q. How can we exclude an officer of the corporation from workers compensation coverage?
A. Since each state has specific rules, please call us at (800) 653-7893 or e-mail us at IMS@LibertyMutual.com.
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Workers Compensation and Commercial Automobile Questions
Q. Why are we in the involuntary market?
A. Your company is placed in the involuntary market when you’ve been unable to obtain coverage through a voluntary carrier due to your company’s premium size, loss history, or type of business.
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Q. How do we cancel our policy?
A. Working with your broker, submit a written request, including the requested effective date, on company letterhead, signed by the owner or officer of the company. Also include appropriate documentation such as proof of coverage with a new carrier (declaration page or binder letter indicating name of carrier, policy number, and effective dates). Fax this notification to the appropriate number below based on the policy address:
Commercial Automobile - All States:
Fax: (715) 843-2650
Workers Compensation:
AL, AR, CT, DC, DE, GA, IL, IN, MI, MS, NC, NJ, SC, TN, VA, WI
Fax: (715) 843-2649
For:
IA, KS, MA, NH, NV, VT
Fax: (603) 245-5330
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Q. What limits can we request and how do we make such a request?
A. Please contact your broker to determine appropriate limits for your policy. Once your broker has determined the appropriate limits, please fax this notification to the appropriate number below based on the policy address:
Commercial Automobile - All States:
Fax: (715) 843-2650
Workers Compensation:
AL, AR, CT, DC, DE, GA, IL, IN, MI, MS, NC, NJ, SC, TN, VA, WI
Fax: (715) 843-2649
IA, KS, MA, NH, NV, VT
Fax: (603) 245-5330
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Q. How do we request loss runs?
A. Fax a written request for workers compensation loss runs to (715) 843-2649 or commercial automobile loss runs to (715) 843-2650, or e-mail your written request to IMS@LibertyMutual.com.
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Q. When can we expect to receive our loss runs?
A. Loss runs are generally issued to you within 24-48 hours of receipt of your request.
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Q. We don’t agree with our audit. How do we dispute the audit?
A. A formal audit dispute must include ALL of the following;
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A detailed written explanation of why you believe your bill is incorrect.
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A detailed written explanation of your estimate of what the premium should be.
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Payment of any undisputed portions of the premium owed, submitted by the bill’s due date.
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Fax all required information to the Liberty Mutual financial department at (603) 245-5330.
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Also, please fax or mail dispute information to the address listed below based on the policy address:
Workers Compensation:
AL, AR, CT, DC, DE, GA, IL, IN, MI, MS, NC, NJ, SC, TN, VA
Liberty Mutual Group
P.O. Box 8090
Wausau, WI 54402-8090
Fax: (715) 843-2649
IA, KS, MA, NH, NV, VT
Liberty Mutual Group
P.O. Box 9090
Dover, NH 03821-9090
Fax: (603) 245-5330
For additional workers compensation instructions, please contact your broker or refer to the appropriate NCCI or Independent State Plan Manual and see the instructions as stated in the NCCI.
Assigned Risk Supplement Manual below.
Commercial Automobile - All States:
Liberty Mutual Group
P.O. Box 8095
Wausau, WI 54402-8095
Fax: (715) 843-2650
For additional commercial automobile instructions, please contact your broker or refer to the appropriate AIPSO Plan Manual.
The following information, taken from the NCCI Assigned Risk Supplement Manual, is intended to provide a general overview of the employer dispute resolution process:
Step One:
The first step in the dispute resolution process is to make every reasonable effort to resolve the dispute directly with the assigned carrier. The aggrieved party must provide the assigned carrier with written documentation outlining and explaining the specific areas of dispute.
Step Two:
(a) Bona Fide Dispute Requirements
If a resolution of a dispute cannot be reached between the assigned carrier and the employer, the employer may refer the appeal to the Plan Administrator. A bona fide dispute for a workers’ compensation insurance premium obligation exists when the employer or its representative has provided:
1) Written notice to the Plan Administrator that includes:
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All documentation relevant to the dispute, including written notice to the insurer or the assigned carrier detailing the specific areas of dispute.
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Description of the attempts to reconcile the differences, and
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A specific request for a review of all documentation, appropriate action to resolve the areas of dispute, and if necessary, a hearing before the appropriate administrative or regulatory body having jurisdiction over assigned risk-related appeals.
2) An estimate of the premium the employer believes to be correct, with an explanation of the premium calculation.
3) Confirmation of payment of the undisputed portion of the premium. Note: If the bona fide premium in dispute is in litigation, documentation must be provided to the Plan Administrator.
To request a review of the dispute by the Plan Administrator, send all relevant information to:
NCCI, Inc.
Customer Service Center
901 Peninsula Corporate Circle
Boca Raton, FL 33487
(b) Notification of Bona Fide Dispute
The Plan Administrator will notify the assigned carrier when a bona fide dispute is confirmed. Upon notification, the assigned carrier will act according to the Plan Administrator’s direction pending the resolution of the dispute, which may include:
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Suspension of collection activity
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Suspension of cancellation if a dispute exists prior to the effective date of cancellation
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For policies already cancelled, refer to Basic Manual Rule 4-A-4-a (4)
Step Three:
Upon conclusion of a review of the dispute, NCCI will provide the aggrieved party with a response. If the aggrieved party does not agree with NCCI’s findings, the party may request a hearing before the appellate body having jurisdiction over appeals. In many states the appellate body having jurisdiction is the state’s Workers Compensation Appeals Board (“Board”). Boards derive their authority from the state statutes or regulations. The composition of a Board varies from state to state but may include insurance company representatives, insurance agent representatives, public members, representation from the state regulatory authority, and an NCCI representative.
Step Four:
Upon conclusion of its review, the appropriate appellate body of the jurisdiction provides all interested parties with a written decision. The statutory/regulatory provisions of the state govern any further appeal.
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Q. When is our payment due?
A. The due date is always indicated on your invoice.
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Q. What will the auditor need to review during the audit visit?A. Documents required at the time of an audit include (but are not limited to):
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Payroll records, including payroll registers, payroll journals, individual payroll cards/sheets, etc., depending upon your payroll system
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Tax records, including quarterly state and federal payroll tax reports, such as Form 941, Form 940, state unemployment returns, etc.;
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Additional required tax forms, depending upon the business, include Form 1065 for a partnership, Form 1120 for a corporation, and Schedule C for a sole proprietor
Cash disbursements journal, general ledger, and/or check stubs
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Amounts paid to subcontractors (labor and materials)
Workers compensation certificates of insurance related to all subcontractors
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Certificates of noncoverage (Arkansas only)
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Sales or receipts journal, sales tax reports, or other receipt records
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Additionally for commercial automobile, trip logs, driver records, and fuel reports.
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Q. How do we request a copy of the audit worksheets?
A. Fax a written request, on company letterhead and signed by the insured or an officer of the company, to (603) 334-0291.
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Q. How do we submit a broker or agent of record change?
A. Working with your broker, fax a written request, on company letterhead and signed by the insured or an officer of the company, along with any state-specific request form, to the appropriate number below, based on the policy address:
Commercial Automobile - All States:
Fax: (715) 843-2650
Workers Compensation:
AL, AR, CT, DC, DE, GA, IL, IN, MI, MS, NC, NJ, SC, TN, VA, WI
Fax: (715) 843-2649
IA, KS, MA, NH, NV, VT
Fax: (603) 245-5330
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Q. Why is our premium different from our quote?
A. Quotes are estimates and are subject to change. A number of policy changes could occur between the time the quote is received and the time the policy is issued, such as rate changes, experience modification calculations, and changes in payroll exposures.
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Q. Why is the actual cancellation date of our policy different from the one we requested?
A. State statutes usually require insurance carriers to give advance notice of cancellation. Since each state has specific rules, please call us at (800) 653-7893 or e-mail us at IMS@LibertyMutual.com.
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Commercial Automobile-Only Questions
Q. How do we add a vehicle to our policy?
A. Complete the Policy Change Request form, available from your broker. Your broker or the insured must sign and date the form. If you are unable to obtain a Policy Change Request form, you may fax a document stating your wish to add a vehicle. You must include the information listed below. Including this information in the initial request will avoid the underwriter’s need to request additional information and will therefore expedite the process.
- The vehicle’s registration or temporary registration
- Year of vehicle
- Make (brand)
- Model (type)
- VIN (vehicle identification number)
- Whether the vehicle is owned, financed, or leased
- Names of everyone who will drive the vehicle
- Copy of each driver’s license
- Signature of the broker and/or insured
The Plan Manual requires payment to be submitted at the time of the change request.
Mail your completed Policy Change Request form and required payment to:
Liberty Mutual Group
P.O. Box 8095
Wausau, WI 54402-8095
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Q. How do we delete a vehicle from our policy?
A. Complete the Policy Change Request form, available from your broker. Your broker or the insured must sign and date the form. If you are unable to obtain a Policy Change Request form, you may fax a document stating your wish to delete a vehicle. You must include the following information:
For policies with state-required filings, include one of the following documents:
Fax your document and the required information to (715) 843-2650.
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Q. How do we comply with the required inspection of our operation?
A. The inspection company representative will contact you directly. If you have any questions or concerns, please call Liberty Mutual at (888) 281-6113 or e-mail IMS@LibertyMutual.com.
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Q. Where should we take our vehicle to complete a vehicle physical damage inspection?
A. The Plan or your broker will provide you with a notification including the necessary details as to where your vehicle should be taken to complete the physical damage inspection.
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Q. How do we obtain ID cards?
A. You can obtain temporary ID cards from your broker until Liberty Mutual issues a new business or renewal policy. If you have any questions about your ID cards, submit a written request to Liberty Mutual by faxing it to (715) 843-2650 or e-mailing it to
IMS@LibertyMutual.com
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