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Assigned Risk Plans – Does My Company Need One?


Assigned Risk Plans Are Not Voluntary

Should I have to join the Assigned Risk plans? The Assigned Risk Plan (ARP) is not a voluntary choice. There are other names for the ARP such as risk pool. The rates in the ARP are much higher than the general voluntary marketplace. In fact, I have seen them as high as 400% more than the normal voluntary insurance marketplace.

Picture Of Man Assigned Risk Plans Maze

The ARP is the fail-safe insurer if a company cannot find any insurance with any carrier due to

  • high E-Mods – usually 1.4 or above
  • type of business
  • unsafe workplace
  • dangerous occupations

The insurers are required to write a certain percentage of their business from the ARP. The use of the techniques on this website and blog will enable your company to get out of the ARP unless the voluntary insurance marketplace is not writing WC insurance for your type of business.

I have seen temporary employment agencies, loggers, and trucking companies have to go into the ARP as no insurance carrier would write the risks. Most carriers refer to this risk ask market risk.

The ARP can be thought of as a safety net so that certain employers can stay in business and not face fines for lack of coverage. There are methods for removing your company from the risk pool.. Please follow the link. They do take time to have any effect.

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James J Moore - Workers Comp Expert

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Management Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications


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