Self-Insurance
Self‑insurance allows members to collectively fund and manage their workers’ compensation risk instead of paying premiums to a traditional insurance company. Members contribute to a shared pool that pays claims and operating costs.
When claims are well‑managed and safety performance is strong, surplus funds are returned to members as dividends.
- Greater cost control
- Reduced overhead
- Local decision‑making
- Financial incentives for safety
Members often find they don’t need to re‑shop coverage every year. Once enrolled, the program runs smoothly, making life easier for both members and their agents.
Contact Commonwealth Contractors
Interested in learning more about partnering with Commonwealth Contractors or becoming an agent for one of our programs? Contact our local team today!
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