Underwriting Guidelines

AmeriHealth Casualty offers unique workers’ compensation managed care products and services to both insured and self-insured employers in Pennsylvania, New Jersey, and Delaware.

Our services include:

• Risk transfer
• Discounted Provider Networks
• Case Management Services
• Claims Adjudication Services
• Bill Re-pricing
• Risk Insurance Management System (RIMS)
• Loss Prevention Services

These services can be purchased on a bundled or unbundled basis.

Insurance coverages are underwritten by the following carriers:

Companion Property & Casualty Insurance Company (A.M. Best A-VII)

• Pennsylvania Loss Cost Multiplier - 1.55
• New Jersey Managed Care Credit - 0%

Companion Commercial Insurance Company (A.M. Best A-VII)

• Pennsylvania Loss Cost Multiplier - 1.25

AmeriHealth Casualty Insurance Company (A.M. Best N/R)

• Pennsylvania Loss Cost Multiplier - 1.45

Special Underwriting Information

• Our preference is Hazard Groups I, II, III and Best Hazard index 1-7.
• Our products include Guaranteed Cost, Loss Sensitive and Large Deductible programs.
• All account submissions require a complete application.
• Three to five years of currently valued loss information is mandatory.
• All Debit Experience Modification accounts must be accompanied by 5 years of currently valued loss history.

Exclusions

• Stop Gap coverage is not provided.
• United States Longshoremen & Harbor Workers Coverage (USL&H) is not provided.
• Coverage for Aircraft and/or Marine-type exposure typically is not provided.
• Occupational Health and Disease exposures are not written.