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Workers' Compensation Dividend Program



By combining the premium of qualifying MSEC Colorado members, we establish a larger premium base, allowing Pinnacol Assurance to reduce costs and return dividends to members based on loss histories. A larger premium base can help the program to withstand a “shock loss” – a single, expensive claim that negatively impacts overall loss ratios.


Each member’s premium is based on their own individual loss experience. No member will pay more for participating in the MSEC WCDP than they would as a non-participant, and the good news is there is a chance to earn additional savings on workers’ compensation insurance with an up-front discount for eligible participants.  Members of the program have the potential to receive an additional dividend for maintaining a safe workplace. This dividend would be a portion of premium returned to a policyholder based on the safety record of the dividend group.


Our program is not limited to “higher-risk” industries, and we welcome all qualifying members to this exclusive program.  This is an excellent opportunity for group participants to earn additional savings on workers’ compensation insurance.


For more information contact our Specialized Legal Services Department at 800.884.1328.


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