Do You Know the Answer to MAIA's Question of the Day?

Action Alert - Contact Your Legislators Today and urge their support H.3682

SERVICES

Agency Products
Marketing tools for your agency

Company Rate Filings for Auto
MAIA's Review of Company Rate Filings for Auto

On-Line / Self-Study Options
CE through online platforms

INFO-ONLINE
Informative documents...plus much more!

WAHVE Staffing Solution!
Qualified retired insurance professionals ...


 

Workers' Compensation Program - Our Markets

The Hartford, Rated "A (Excellent)" by AM Best

Important Contact Information

  • Customer Service: 800-962-6170 and follow the prompt instructions
  • Claims: 800-327-3636
  • Audit Department Fax: 888-841-5831
  • Endorsement & Cancellation Request should be sent to clahna@massagent.com by email or
    508-634-2930 by fax.
Billing

Direct Bill Only! Your insured will be billed directly, including down payment. The Hartford does not accept outside financing.  If additional installments are desired, please send request to Number One Insurance and we will request to underwriter or have insured contact The Hartford directly.

We set billing structure at 4 payments for all risks.

  • 1st payment is 30% - Due: 30 days after first bill is generated.
  • 2nd & 3rd payments are 25% each, + $7.00 installment fee – Due: 2 months & 5 months after effective date (respectively)
  • 4th payment is 20%, + $7.00 installment fee – Due: 8 months after effective date

The Hartford can offer up to 10 payments by request and underwriter approval.

NEW XactPAY Express: Pay-As-You-Go!

A NEW option to Hartford policy holders with premiums of $1000 or higher that allows the insured to report their "actual" payroll figures to The Hartford directly each pay period through an online system. The Hartford then bills insureds based on the "actual" payroll reported and withdraws the funds via an EFT arrangement. For more information on this - please contact Colleen Lahna, WC Program Manager at clahna@massagent.com or by phone at 800-742-6363, extension 361.

For more information click on the flyers:

XactPAY Xpress – Agent Flyer

XactPAY Xpress – Insured Flyer

How to Send Payment to the Hartford
  Online: Create a pay-on-line account at www.thehartford.com/servicecenter
  Phone: 800-962-6170, Option 3
  Mail: The Hartford
PO Box 660916
Dallas, TX 75266-0916
Or have your insured sign up for an EFT (Electronic Funds Transfer) by completing The Hartford's EFT Authorization Form and faxing it as instructed or have them call Customer Service at 800-962-6170
Certificates of Insurance 

The Hartford requests that they issue a certificate from their service center for all of our clients. They provide the following easy methods to do this:

  1. The insured can make a request via phone to 800-962-6170, Option 1 and The Hartford will do their best to prioritize this request and generally it is handled prior to the 48 hour standard.


  2. Agents or the insured can make a faxed request to The Hartford at 888-443-6112 or by email to agency.services@thehartford.com. Both are responded to within 48 hours.  Be sure to include the Named Insured, Policy Number, Certificate holder's name & address, an explanation of the services provided by the insured to the certificate holder and where the certificate should be sent via mail, fax or email.  

If the agent is making the request, please identify that you write the policy through the Number One Insurance Agency, Inc. - so list both agencies on the request.  (Example:  At the request of ABC Insurance and the Number One Insurance, from whom we broker this business, please provide a COI for . . .)  Also, if you want a copy sent to your office – be sure to say so and include your address/email/fax in your request.

Workflow
New business – Insured and producer copy of the policy will be forwarded to your agency for review and delivery to the insured.

All endorsements, renewals, audits and correspondence will be sent to your insured directly by The Hartford. The producer copy will first be processed by our office and then forwarded to you for your customer file. Renewals are mailed 30-60 days prior to the expiration of the current in-force policy.

Any notices of cancellation due to nonpayment of premium and reinstatements are mailed directly to your insured by the carrier. We will receive your copy by mail and will fax or email a copy to you for your customer file.

All endorsement, cancellation, reinstatement, loss run and other such requests should be requested in writing to Number One Insurance to communicate with the assigned carrier. Unfortunately, only the appointed agent is allowed to make coverage/named insured change requests. Feel free to send to us via staff's email or fax number. Thank you.
Claims Services and Loss Control

The Hartford has provided us with a number of pieces to help you educate your insured on the importance of timely reporting, claims services available and some common loss control suggestions.

Feel free to share with your Hartford insureds:

Audit Disputes

To dispute an audit, we suggest just getting copies of the 941's issued throughout the policy term and send them to The Hartford's address below with a letter from the insured asking for a review of the audit.

New Hartford Business Center
Attn: Premium Audit
4401 Middle Settlement Road
New Hartford, NY 13413
Phone: (800) 962-6170 (choose the option for Audit)
Fax: (888) 841-5831
Email: ESC.Audit@thehartford.com

How long will it take to get a response on an audit dispute?
An initial response acknowledging the receipt of the dispute will be provided within two business days.

 Norfolk & Dedham,  Rated "A (Excellent)" by AM Best

Important Contact Information

Billing

Direct Bill Only! Your insured will be billed directly, including down payment. N&D does not accept outside financing.  If additional installments are desired, please send request to Number One Insurance. We will then consult with underwriting or have the insured contact N&D directly.

N&D requires full payment for any policy that is $200 or less in premium. All other policies will be set up on a 4 payment plan.

  • 1st payment is 25%
  • 2nd, 3rd & last payments are 25% each + $6.00 installment fee – every 60 days.
  • Electronic Funds Transfer (EFT) is also available. N&D’s EFT Authorization Agreement may be submitted by the insured. There is no installment charge if using EFT.
  • Late Fee: $20 for each cancellation notice after the first one each policy year.

N&D can offer up to 10 payments by request and underwriter approval.

  • The Norfolk & Dedham Group
    PO Box 4104
    Woburn, MA 01888-4104
  • RUSH/OVERNIGHT
    The Norfolk & Dedham Group 
    222 Ames Street
    Dedham, MA 02027-9109
Audits 

Based on premium size, N&D often audits their insured by sending them a N&D Self-Audit form.  The insured should complete this form and submit with copies of their MA WR-1 or Federal 941 Quarterly Reports by faxing to the following number: 781-407-7059.

Audit Questions or Disputes:
The insured can directly contact the auditor who worked with them to discuss the audit.

If they do not have the auditor's contact information, the insured should submit in writing a request for review and provide their policy number along with the name, phone number and email address of the person that the auditor should contact. This request should be submitted to Colleen Lahna via email at clahna@massagent.com or by fax to (508) 634-2930 for processing. The auditor will then contact the insured directly to discuss the audit.

Reinstatement Offers 

If you would like us to inquire to have a policy reinstated, please contact Colleen Lahna with the policy number and she will forward to underwriting for review. If a policy has been offered conditions of reinstatement -- please use the N&D No Known Loss Affidavit.

Certificates of Insurance 

Agents can issue a certificate of insurance but we suggest making sure the policy is in force by calling the automated billing center at: 800-688-1825 before issuing and noting your file.  After issuing the certificate, you are required to send a copy to: Number One Insurance Agency, Inc via email to clahna@massagent.com or by fax to 508-634-2930. We will forward this certificate on to N&D.

Workflow

New business – Insured and producer copy of the policy will be forwarded to your agency for review and delivery to the insured.

All endorsements, renewals, audits and correspondence will be sent to your insured directly by The Norfolk & Dedham Group. A producer copy will also be mailed to your office for your customer file. Renewals are mailed 30-60 days prior to the expiration of the current in-force policy.

N&D will mail any notices of cancellation due to nonpayment of premium and/or reinstatements directly to the insured and a producer’s copy to your office for your records.

Broker of Record Requests:
Please include the following on the insured's letterhead:

  1. The current policy number and effective date.
  2. A request naming BOTH Number One Insurance AND your agency as the Broker of Record.
  3. The Insured's Signature.

The BOR assignment change will occur upon renewal. This often requires a cancel/rewrite of the current policy. To insure accuracy for your client, it is very important to review all names, addresses, tax id, coverage limits, class codes payrolls, endorsements, etc. when the new policy is received.

All endorsement, cancellation, reinstatement, loss run and other such requests should be requested in writing to Number One Insurance to communicate with the assigned carrier. Unfortunately, only the appointed agent is allowed to make coverage/named insured change requests. Feel free to send to us via staff's email or fax number. Thank you.
 Our Alternative Market: AmTrust Financial Group, Rated "A (Excellent)" by AM Best

Important Contact Information

Customer Service: 877-528-7878
Listen for prompt options for:

  • Billing Status
  • To Pay a bill (by check or credit card)
  • To Report a claim
  • To Speak with the Audit Department
Billing

Payment Options

  • Multiple payment options but we generally set up: 10% down and 9 Equal Payments (Installment fee is $10 per installment)
  • Electronic Funds Transfer (EFT) - Form is provided within the policy packet.
  • Register to pay online at https://ao.amtrustgroup.com/Insureds/Register.aspx
Regular Mail:

AmTrust North America
P.O. Box 318004
Cleveland, OH 44131-9973
Overnight Address:

AmTrust North America, Inc.
5800 Lombardo Center
Cleveland, OH 44131-2550
Claims

To Report a claim:
Phone: 866-272-9267
Fax: 775-908-3724
Email: amtrustclaims@qrm-inc.com

For a "specific claims question" contact:
Phone: 888-239-3909
Fax: 678-258-8399


Certificates of Insurance

Agents can issue a certificate of insurance but we suggest making sure the policy is in force by calling the automated billing center at: 877-528-7878 before issuing and noting your file.  If you are asked to verify the agency on the account – please note that your insured’s policy declaration page reads:  TPA Insurance Agency.  After issuing the certificate, you are required to send a copy to:  Number One Insurance Agency, Inc via email to clahna@massagent.com or by fax to (508) 634-2930. We will then copy the carrier on your certificate.

Workflow

New business, Endorsements, Renewal Policies, Audits and most correspondence – Insured's and Producer's copies will be processed by our office and then forwarded to your agency via email for review AND DELIVERY TO YOUR INSURED.

Renewals are generally processed 30 days prior to the expiration of the current in-force policy.

Any notices of cancellation due to nonpayment of premium, notice of reinstatement, outstanding invoices and collection notices that are received regarding your insured are forwarded to your office for your customer file.

All endorsement, cancellation, reinstatement, loss run and other such requests should be requested in writing to Number One Insurance to communicate with the assigned carrier. Unfortunately, only the appointed agent is allowed to make coverage/named insured change requests. Feel free to send to us via staff's email or fax number. Thank you.