Documents You Need for a Quote


Current Workers’ Compensation Policy

Where employees are classified and their payroll into their appropriate job classification codes that determine the base rate.


Experience Modification (Ex Mod) Report

Because rates are based on a comparison of past losses against “average” losses of other employers in that state in the same business, but adjusted for size.


3-year Loss Runs Report

Because rates are based on the claim activity where the named insured, policy number, date of each claim, and the amount paid or on reserve is listed in detail.


One simple call to your current Workers’ Comp carrier or agent will suffice to obtain the documents listed above. You may also request the Ex Mod worksheet at the WCIRB (Workers’ Compensation Insurance Rating Bureau). By law in most states, the current issuer must provide you with that information in writing via mail, email or fax promptly.

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CompOneUSA Benefits:

CompOneUSA Workers’ Compensation benefits are ERISA benefits under the auspices of MEWA that by law need to be more encompassing than regular Workers’ Comp products sold in the market, and are guaranteed to be offered at below private insurers’ market prices. But more importantly, it shows your employees that you care about them while fostering a culture of  Safety and Awareness:

  • Coverage limit for bodily injury accidents (per accident): $1 million*
  • Coverage limit for bodily injury diseases (per employee): $1 million*
  • Coverage limit for bodily injury diseases (on aggregate): $1 million*
  • Safety & Loss Control solutions to reduce employer exposure, minimize losses, minimize fraudulent claims and prevent injuries:
  • Injury & Illness Prevention Program
  • Active Safety & Awareness Workers’ Compensation Training & Certification Programs for Management and Employees
  • First Aid Training
  • Facility walkthroughs and recommendations for OSHA compliance
  • Claims reviews and claims management solutions
  • Employee return-to-work programs
  • FREE annual physical for every employee
  • FREE immunization for employee’s dependents
  • FREE work-related accidental death benefit up to $5,000 for burial expenses
  • NO Broker Fees
  • NO Audits
  • LOW security deposit
  • LOW deductibles
  • Long-tenured Underwriters
  • Proper rating of account
  • Adequate liquidity collection
  • Local and/or multi-state coordination
  • Payroll Processing and Payroll Tax Filings Administration
  • Easy to understand quote in 72 HOURS
*Applies to CA. Our benefit in-trust includes the statutory payout requirement per State


As a non-profit corporation, American Labor Alliance DOES NOT SELL INSURANCE products.

As a non-profit corporation we promote benefits in-trust to our Member-Clients. These benefits in-trust are strictly regulated by the federal government’s Department of Labor (DOL) under the confines of its Employee Retirement Security Act (ERISA) regulations, and are subject to the rules of the Multiple Employer Welfare Arrangement (MEWA). Our benefit plans ultimately assist employees and their families, and are covered by ERISA’s provisions.

American Labor Alliance derives its authority to promote such benefits in-trust and services from the US Department of Labor (DOL) which has created a federally chartered union file designation under the name American Labor Alliance. In order to comply with such standards for participation, vesting, benefit accrual and funding, American Labor Alliance conducts itself under strict financial and regulatory strictures. We are covered under our Errors and Omissions and liability insurance, Fireman’s Fund and under the ERISA bond umbrella, Traveler’s Casualty, as well as its backing of existing and growing assets: funds, investments, real estate holdings, businesses, affiliated relationships, and stop-loss-coverage.

Member-Clients may purchase under one Association of Employers within the regulated confines described above, such benefits in-trust and services as: Worker’s Compensation, Health Care, Dental, Paid Sick Leave, 401k, Retirement and other benefits in-trust, meaning there is a Fund & Trust for every one of our benefits. American Labor Alliance backs each dollar in those Trusts with the purchase of ERISA bonds, and so each benefit in-trust complies with the federal standard.

What all this means to you is an opportunity to carry the legal and necessary coverage you and your employees need, with benefits that are more robust and encompassing (as per ERISA) than the standard insurance products, but at prices below the standard industry market price. No Obligation: Applicant is under no obligation to enter into contract with American Labor Alliance for simply requesting a quote. Quotes are usually ready within seventy-two (72) hours, at which time a CompOneUSA contract will be presented for consideration. Only a fully executed CompOneUSA contract and initial security deposit payment (via company check or wire) is considered the final sale.

Member-Associates promoting CompOneUSA are also Member-Clients of American Labor Alliance.