Workers' Compensation Self Insurance

Small Business Insurance Buying Group

This group is for small businesses (under 100 employees) who wish to band together to negotiate better rates for their insurance coverage.

Group Profile

Phone: 
(866) 760-4827
Fax: 
(248) 412-2073
Email: 
info@insurancepen.com
Additional Information: 

Small business is the true economic engine in America.  Small businesses deserve to get the rates on their insurance and the coverage options that large employers enjoy.

This group was created to allow small businesses to band together to negotiate deals not available to the general public.

Our goal is to get as many employers into this group as possible.  We will then take the buying power of the group to the insurance marketplace and try to negotiate the types of rates and coverage terms that the larger employers have access to.

Once you join you should tell others in your market that they should join as well.  The more members, the greater the buying power.d

After the group has insurance carriers in place, you will be notified of the options available to you via email and over the phone.  Once you have completed the applications for coverage, you can re-use them over and over again as this and other groups at InsurancePen are announced.

Unleash the power of collective buying power within your organization and join us today.  There is nothing to lose and a lot of money and security to be gained!

Small businesses need and deserve access to the rates and coverage options of their larger company competitors.  This group was created to do just this.  As the group grows, discount programs and coverage options will be announced including workers' compensation, liability, directors and officers, errors and ommissions, property, health, life, dental and other insurance coverages.

Who Qualifies: 
Employers with up to 100 employees.

Ohio Self Insurance; Excess Workers Compensation

This group is for Ohio employers who are looking for market alternatives to their current excess workers compensation carrier and/or TPA service.

Group Profile

Phone: 
(866) 760-4827
Fax: 
(248) 412-2073
Email: 
craig@deroches.com
Additional Information: 

DeRoches LLC and Accident Fund Insurance Company of America recently formed a partnership to offer excess workers compensation insurance to select self-insured Ohio businesses, such as yours.

Accident Fund, headquartered in Lansing, Mich., has been a trusted friend to businesses since 1912. They are a subsidiary of Accident Fund Holdings, Inc. (AFHI), which also owns United Heartland and CompWest, making it the 10th largest writer of workers compensation insurance in the country licensed in 49 states, plus the District of Columbia. They are “A” (Excellent) rated by A.M. Best. As a monoline workers compensation insurer, they provide comprehensive workers compensation in a wide variety of industries and risk types. 

Accident Fund provides excess insurance coverage on both a specific loss and an aggregate basis. This coverage affords protection against catastrophic losses or an unusual level of loss activity during a given period. Our specific excess coverage is available for most classes of business, with statutory limits available. Our aggregate excess coverage offers the flexibility to provide limits to meet the needs of most self-insured employers.

Accident Fund allows for flexibility in designing a program that is right for your company. Our unbundled claims environment allows you to choose quality TPA services from approved providers and ensures the quality of services provided to you. As their exclusive excess agent, I will work with you to develop policy terms that meet your needs while ensuring that appropriate endorsements are in place.

We would like the opportunity to meet with you to discuss your excess workers compensation insurance needs. Please contact us at your earliest convenience at 866-760-4827 to set up a meeting, but make sure to join this group to stay in touch with us and get our communications.

We look forward to partnering with you.


DeRoches LLC is the exclusive agency partner with the Accident Fund Company for self-insured employers in the State of Ohio.  Our mission is to reach, inform and connect as many employers to the Accident Fund as possible.  Join this group to learn more and stay informed of our progress and announcements.

Who Qualifies: 
Ohio Employers who are Qualified Self-Insureds for Workers' Compensation.
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