We are excited to announce we are expanding our focus in workers compensation coverage; we want to be your go-to partner! We’ve built our strong legacy by listening to you, our agency partners, and consistently meeting your needs. We heard repeatedly that you needed strong partnerships with carriers in key areas. So, we became your trusted partner for commercial property, liability and auto business. 

What you may not know is workers compensation has been part of our book of business since 1989. Until recently, however, this line has not been a primary focus for the organization. Instead, we focused on expanding our operating territory, increasing other product offerings, and now transforming our business systems to ensure ease of doing business into the future.

With our renewed focus on workers compensation, we aim to offer more holistic solutions to your policyholders, saving both you and us time, which increases profitability across the board. Since we already write many other lines of commercial business for your clients, adding work comp is a natural extension of the relationship between you, your policyholders and us.

Why Choose Columbia? 

Our exceptional claims and underwriting service, ease of doing business and forward-looking initiatives make us the perfect partner for your work comp needs.

• Underwriting Service: You already know and trust our underwriting teams to provide you with personalized, efficient service. We constantly hear from you that our dedicated underwriter model is a real strength. To build on this level of trust, our underwriters will receive additional training and resources to help them help you. First priorities will be tools for cross-selling existing accounts and ways to generate new insureds.
• Claims Advocates: We believe adjusting a claim is only one part of the process. We advocate for our claimants, which means helping, supporting, listening and resolving each claim with extraordinary care. Our dedicated team of workers compensation claims advocates specialize in medical only claims and maintain state specific expertise in all the geographies in which your customers operate. Specialized services such as medical bill review and nurse case managers ensure claims are handled efficiently, with the utmost care, and your policyholders don’t experience outsized costs when their employees are injured.
• Ease of Doing Business: By having all policies with one trusted carrier, it simplifies processes for you, making it easier to manage policyholders’ accounts. It also makes it easier for your clients. Whether it’s paying a premium, pulling dec pages or conducting audits, it’s all with one company.
• Forward-Looking Initiatives: We are streamlining the quote-to-issue process, enhancing loss control services and exploring other options to make our work comp policies more attractive and competitive for you and your clients. 

Why now? 

This increased focus on work comp will allow us to continue to diversify our book of business. By achieving a more balanced book, we reduce volatility of performance and offer you, our agency partners, a more stable approach to the marketplace, reducing your own volatility. 

Long-term, it contributes to our financial stability by minimizing the recently experienced loss ratio peaks and valleys that are heavily driven by unpredictable storm-related claims. Again, this stability is advantageous for you as it ensures a more predictable and reliable partnership with us for decades to come. This provides opportunities to maximize your revenue and profit sharing through increased premium volume. Plus, it means less paperwork! What a win-win-win for you, your policyholders and Columbia.

When you’re ready for our level of commitment to personalized service in workers compensation as well as your other lines of business, give us a call. We are excited to expand our relationship and be an invaluable partner to you in this (not new!) area.