What We Do

THE FUND provides workers’ compensation coverage for participating members. Benefits are those included in the Alabama Workers’ Compensation Law. Excess and employers liability coverage is provided by Midwest Employers Casualty Company. Also through a special arrangement with Sentry Insurance Company, coverage for approved operations of member companies is provided for out of state exposures. Midwest Employers Casualty Company and Sentry Insurance are both rated A+ (Superior) XV by the A.M. Best Company.


The first line of savings is the prevention of injuries in the work environment. Employer’s Claim Management, Inc. (ECMI), a service provider to THE FUND members, works to encourage and enhance a member’s safety efforts through its Technical Resource Department.  On-site risk visits are conducted at a member’s request and as determined by risk and experience analysis.

ECMI provides a staff of 50 to assist in managing a claim to a successful conclusion. Each claim is assigned to an experienced claim examiner who works closely with the injured worker, the medical care provider, and the employer to bring about a favorable resolution. A case management team with registered nurses is active in managing severe injuries.

Participation in AlaMed, the state’s largest and most cost effective worker’s compensation preferred provider organization (PPO), helps to control medical costs. State of the art claim management software processes claims promptly and automatically pays the lower of billed charges, PPO schedule, or state fee schedule.

CompInfoCenter provides members with access to information on their workers’ compensation claims and other account information. Members have the option to receive custom reports based on their particular needs when a detailed claim analysis is desired.

Web seminars are also available through the CompInfoCenter allowing members to receive important training for successfully managing their workers’ compensation program.

Our Stats

Member Retention Rate 2020 98%
Claim Frequency Reduction Since 2019 38%
Member Safety Certificates Awarded 2020 84%
Average Experience Mod 2020 . 85


  • Online Bill Pay

  • CompInfoCenter: For online access to claims, billing, payments and account information
  • Digital Media Library: Online access and checkout of safety training programs. Web seminars for safety training and claims management
  • Safety training booklets and material
  • Safety services provided by our Technical Resource Representatives
  • Annual workshops for claims and safety training
  • Experienced claims adjusters with over 150 years of cumulative workers’ compensation experience
  • Industry specific safety material
  • Safety Application for your Phone