Frequently Asked Questions
Q: When is this program effective?
A: The program became effective July 6, 2009, for new & renewal business
Q: Will EMPLOYERS automatically move current NFIB renewals into this new program?
A: No. Existing members must ask to be moved into the program. The reason for this is that some of the NFIB members that are already insured with EMPLOYERS® are already participating in one of several other programs available through EMPLOYERS. NFIB members must choose which program is best for them.
Q: Will all NFIB member accounts qualify for the EMPLOYERS/NFIB program?
Q: How do businesses who are not members of NFIB access this program?
A: No, only those classifications that are within EMPLOYERS risk appetite. All accounts are subject to EMPLOYERS underwriting guidelines. Membership in NFIB does not guarantee coverage.
A: Businesses who are not NFIB members can access this program through one of our preferred independent insurance agents. To find an agent in your area, call 866 563-2759. You are required to be a member of NFIB to secure the discount provided by this program. To learn more about joining NFIB, go to www.joinNFIB.com or call (916) 448-9904.
Q: What is the minimum premium? Maximum premium?
A: The minimum premium is $500. There is no maximum premium.
Q: Is there a deductible program?
Q: What does it cost to join the NFIB?
A: NFIB members are typically asked to invest a dollar a day or more depending on the size of their business, with a maximum investment of $5,000. However, businesses who join to participate in the NFIB/Employers Workers’ Compensation program can join at special introductory membership rate of $180 by joining online at www.joinNFIB.com and using CAWC as the “Reference Code.” Current NFIB members are not eligible to receive the special rate.
Q: Are new ventures eligible for the program?
A: Yes. They will be considered for the program and eligible for the special NFIB 5% member discount.
Insurance offered in California through Employers Compensation Insurance Company.