A Tradition of Safety

For more than 100 years, AF Group has been a leader in workers' compensation services. Through our brands, we proudly carry a tradition of achieving the best outcomes for injured workers and excellent value for our agents. We invite you to explore the timeline below to learn how our history has shaped our ongoing success.



Public Act 10 allowed for the creation of a state accident fund in the Treasury (under the supervision of the Commissioner of Insurance) to provide stable sources of insurance coverage while instilling confidence in employers. Michigan becomes the second state to adopt the state fund approach at that time.


Control of Accident Fund is transferred to the State Administration Board


Michigan’s first Civil Service Act is passed; the Attorney General issues an opinion stating that Accident Fund employees are State employees and subject to Civil Service jurisdiction


Attorney General John R. Dethmers holds that Accident Fund is not a state agency, its employees are not state employees and its assets and liabilities are not the responsibility of the state.


Michigan Attorney General Frank Kelley rules that the Michigan State Accident Fund is a state agency and its employees are within the classified state civil service.


In 1987, Accident Fund constructs a new 10-story corporate headquarters building adjacent to the 232 S. Capitol Avenue office it acquired in 1950; the two are connected by a five-story glass atrium. In 1988, the State Court of Appeals rules that the Accident Fund is, in fact, a state agency.


State assumes management control of Accident Fund and classifies its employees in the civil service system; Accident Fund becomes an agency of the Department of Commerce.


Gov. John Engler signs legislation authorizing the privatization of Accident Fund. Blue Cross Blue Shield of Michigan bids $291 million and wins the right to buy.


Supreme Court affirms Michigan’s right to the proceeds of the sale and its finalized just two days before the Dec. 31 deadline.


The new Accident Fund Company, a subsidiary of Blue Cross Blue Shield of Michigan, begins operations. This same year, the first contract between the company and the United Auto Workers is negotiated and signed.


Accident Fund Company earns first “A-“ (Excellent) rating from A.M. Best.


Accident Fund pays Blue Cross first dividend of $100 million; earns a full “A” (Excellent) rating from A.M. Best.



Accident Fund Company becomes Accident Fund Insurance Company of America.


Elizabeth R. Haar named president & CEO of Accident Fund


Accident Fund purchases Wisconsin-based monoline workers’ compensation insurer United Heartland.


Accident Fund signs agreement to purchase California-based monoline workers’ compensation insurer CompWest Insurance.


Accident Fund Holdings, Inc., is established with Elizabeth R. Haar as president & CEO; Mike Britt is named president of Accident Fund Companies.



Steve Cooper named president of United Heartland.


Accident Fund, United Heartland and CompWest are named as “Best Place to Work in Insurance” by Business Insurance magazine. Our companies have continued to place on this list for multiple consecutive years.


Third Coast Underwriters (3CU) brand was established to offer workers’ compensation insurance to underserved markets.


Accident Fund Holdings develops Medical Center of Excellence team and launches Care Analytics®, an innovative program that helps to identify local physicians who understand work-related injuries and who provide superior care to get injured employees back to work.


Accident Fund licensed to write workers’ compensation insurance in all 50 states.


Accident Fund moves its national headquarters to historic Ottawa Street Power Station in Lansing.


Bryan Bogardus named president of CompWest Insurance.


Accident Fund celebrates its 100th year in business.


Accident Fund Holdings continues to prove itself as a leader on issues impacting the workers’ compensation industry following the Aug. 10 publication of a study, in the Journal of Occupational and Environmental Medicine (JOEM), co-authored with experts from Johns Hopkins University School of Medicine, that finds the use of opioid medications, particularly long-acting opioid medications, is an independent risk factor for the development of catastrophic claims.


Accident Fund Holdings creates Certified Authority on Workers’ Compensation in partnership with Olivet College.


Accident Fund Holdings experts testify before Food and Drug Administration (FDA) panel about work comp opioid research featured in the Journal of Occupational and Environmental Medicine.


Accident Fund Holdings is granted first official U.S. patent, which protects our intellectual property for evaluating provider performance to optimize medical outcomes on claims (Care Analytics®).


Accident Fund launches AFXpress in South Carolina.


Accident Fund Holdings, in partnership with researchers from the Johns Hopkins University School of Medicine, published a study in the Journal of Occupational and Environmental Medicine that linked physician dispensing of narcotics to poor outcomes in workers’ compensation claims.


Accident Fund Holdings launches Risk Management Services, which provides loss sensitive solutions for workers’ compensation customers.


Accident Fund Holdings becomes a $1 billion company.


Accident Fund Holdings becomes AF Group, preparing for continued growth and diversification.


Lisa Corless named president and Bryan Bogardus named executive vice president and chief operating officer.


AF Group launches AF Specialty, a new brand focused on providing captive solutions.


AF Group launches Fundamental Underwriters, a new brand focused on commercial trucking.

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