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Workers' Compensation

While no two states' workers' compensation laws are identical, the objective is the same: to provide "no fault" benefits to employees injured on the job. However, the common law system of compensating injured workers was not completely eliminated when these laws were enacted. Workers' compensation laws are not applicable to certain employers, categories of employment and legal actions. We will guide your organization through the jurisdictional challenges to ensure that you are properly covered in those states in which you actively and passively operate.

We will build custom workers' compensation programs to include:

Our team will also:

  • perform payroll and classification review
  • review experience rating accuracy, experience modification projections, and other tools to manage your premium dollars and prevent overcharges

We also operate the largest third party administrator in Indiana. JWF Specialty Company is a leader in alternative risk solutions for large employers and public entities. JWF Specialty has worked with several Indiana companies to establish qualified self-insured status, saving millions of dollars along the way. Our professionals have extensive experience with:

  • Retro insurance programs
  • Large deductible plans
  • Self-insured plans
  • Guaranteed cost workers' compensation
  • Dividend programs
  • Experience Modification Rating Factor (EMR) audits & projections


Insurance products are offered through Old National Insurance, subsidiary of Old National Bancorp. Products offered are issued and underwritten by various insurance companies not affiliated with Old National Bank and are not insured by the FDIC or any federal government agency, nor are they a product, deposit, or obligation of, or guaranteed by Old National Bank or any of its affiliates.

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