Underwriting

3CU brings our skilled evaluation of complex risks with decision-making authority close to the agent and the customer. We insure customers who understand the impact of workers’ compensation costs and are willing to enter long-term partnerships to obtain superior results. Our focused workers’ compensation underwriters serve as account managers and coordinate communications with the rest of the 3CU service team.

Each potential workers’ compensation customer is individually evaluated by our underwriting and loss control team during the first initial visits to:

  • Identify risk management needs.
  • Collaborate with their agents to determine the best program available for them.
  • Improve their total cost of risk.

Because of our individualized approach, 3CU allows our customers to modify their plans at renewal as their needs evolve. Whether it’s a simple guaranteed cost approach or a complex deductible workers’ compensation program, we identify a solution unique to our customer’s situation.

As experts in their field, 3CU underwriters keep up-to-date on market changes and industry trends by maintaining strong relationships with customer trade associations and by pursuing training on emerging markets and issues. This includes having several underwriters with OSHA 1926 10-Hour certification.