Exploring a Partnership with AF Group

Our AF Group brands are dedicated to understanding and actively managing complex workers’ compensation risks with unwavering commitment to supporting the needs of our customers. Below you will find information and helpful resources to help you better understand who we are and how our service team will keep you and your team members safe at work.


What to Expect on Our Visit

We are excited to visit with your team soon! During that meeting, our goal is to gain a deeper understanding of your operations while also providing you with an opportunity to learn more about us and our capabilities. To ensure a productive discussion, please consider the following points beforehand:

  • Operations Overview
    • Please help us understand an overview of your organization’s operations.
  • Employee Safety – Loss Control Support, Tools and Training
    • What are your expectations regarding loss control support?
    • Does your team implement employee safety programs?
      • For instance, safety committee meetings, etc.
    • Do you currently use any online tools or training programs to help achieve your team’s safety goals?
  • Risk Management
    • Do you have a risk management program in place?
      • How do you manage prior injuries?
      • What measures do you have to support injured workers?
      • Is a modified duty program or alternative tasks available?
  • Claims
    • What are your expectations regarding claim handling?
    • Help us understand your process following a workplace accident/injury/illness.
      • For instance, do you follow a standard process for investigations?
    • Have you experienced any significant losses (e.g., claims exceeding $25,000)? If so, please share details.
    • Have you identified any injury trends in past claims?
  • Your Questions
    • What questions or concerns would you like to address with us?


Protecting Your Employees and
Your Bottom Line

We are one of the nation’s leading workers’ compensation insurance organizations, managing risk and minimizing loss for our policyholders and creating a safer environment for their workers. All backed by the reach, knowledge and best practices.

We are dedicated to serving the needs of our customers and strive to protect employers from financial loss by helping them create and maintain a safe, productive workplace. We provide injured teammates with security, compassionate care, and the opportunity to return to work as soon as possible. Our attention to care through our various service offerings can save you money as it pertains to claim costs reduction, medical severity reduction and average e-mod reduction. While other carriers allocate service costs to the claim, we don’t.

For more information on savings and services we offer to our policyholders, review the flyers below.






About Us


AF Group is a nationally recognized holding company whose affiliated insurance companies are premier providers of specialty insurance solutions offered through independent agents nationwide. Leveraging more than 100 years of experience, AF Group companies offer exceptional customer service and extensive industry knowledge – and continuously strive to increase our long-term value by outperforming industry peers, attracting and developing top talent, and fostering a culture of underwriting and claims excellence. Click the flyer below to learn more.


Creating Safe Workplaces


By creating safer workplaces, we can help minimize or eliminate on-the-job accidents and injuries. We believe that’s the one story that counts for the safety of your team, your business and everything you’ve built.

Check out The Story that Counts video…


Our Team of Experts

We pride ourselves on providing exceptional service. That’s why we staff our own team of experts instead of using vendors and we have a local presence (not a phone number) in our core states. Our goal is to provide appropriate care to injured workers while reducing claims costs for our customers.

  • Loss Control Consultants – With workplace safety as their number one goal, our consultants provide personal, unrivaled safety services and support to policyholders.
  • Internal Nurse Case Managers – Our nurse case managers work closely with injured workers, employers, physicians and claims handlers throughout the entire claim process to ensure the worker receives the best care while assisting in early return to work which helps to reduce claim costs.
  • Corporate Medical Director – Our in-house medical director provides guidance and strategic direction on a wide range of medical management and cost containment initiatives, with a special focus on improving the quality of care for injured workers.
  • TeleCompCare® – This 24/7 nurse triage hotline provides injured workers with access to quick medical assessments, referral to medical care when appropriate and a convenient option to connect with an occupational physician via live video conference.
  • Pharmacist – Our staff pharmacist works closely with our claims team to recommend changes to medications and identifies inappropriate dispensing to help avoid opioid addiction and prolonged recovery times.
  • Investigative Services Unit – With billions of dollars lost in the industry each year to insurance fraud, our team of former law enforcement professionals partner with our claims team to investigate and expose potential fraud.
  • Premium Audit – Our auditors are some of the best in the business, working with customers to verify payroll and class codes to ensure accurate premiums.
  • Claim Handlers – Seasoned claim professionals located in the field who understand their local legal and medical environment – and can guide the injured worker through the recovery process.
  • Medical Bill Review – This team collects all injured worker bills to review for accuracy.


Testimonials

We can help you create safer workplaces that help prevent accidents, but if they do occur, we’re here to guide you through every step of the way, providing exceptional care that gets your team members on the path to health and recovery.

Don’t just take our word for it! Below are a few testimonials that exemplify the impact we make.

The Story That Counts – Injured Worker Testimonial

Back to Life

Claims Testimonial