NEW! MEDICAL feature now available on the OAI base package.

Preferred Classes of Business

• Health Care
• Municipal
• Mercantile
• Manufacturing
• Service
• Transportation

• OAI Carve-Out coverage is ideal for employers with multi-state exposures and smaller, loss sensitive accounts
• Reduces the employer’s retained risk
• Provides for cash flow protection against catastrophic loss
• Provides immediate funds to be used at the employer’s discretion to meet his obligations under the WC Act
• Provides funding for the early settlement of WC claims

• Coverage is triggered by a hospital confinement as a result of an accidental injury, which occurs within four (4) days of a Covered Occupational Accident and lasts for more than 72 hours.
• Coverage provides scheduled indemnity each day of a hospital confinement and is retroactive to the first day of the hospital stay
• In-hospital maximums up to $180,000 per employee per accident are available
• A.M. Best A- VIII rated carrier
• *Hospital Confinement coverage will offset/defer medical and other costs associated with a serious injury requiring hospitalization. This feature is currently only available in the following states: AL, AK, AR, CA, DE, GA, HI, ID, IL, MD, MA, MI, MS, MO, MT, NH, ND, and PA

• Agribusiness
• Mining– Oil & Gas
• PEO/EE Leasing Companies
• Temporary Labor Services

• Excess Work Comp or ACORD® application
• Five years loss information in summary form, plus the current year
• Five years individual losses > $25,000 plus the current year
• Valuation date within 90 days of submission (please specify date)
• Five years payroll history
• Current payroll and number of employees by WC class code

• Most states available