MICHIGAN APPLICATION FOR WORKERS’ COMPENSATION INSURANCE
MICHIGAN WORKERS’ COMPENSATION PLACEMENT FACILITY
MAIL: P.O. Box 3337, Livonia, MI 48151-3337
EXPRESS MAIL AND VISITORS: 17197 N. Laurel Park Dr., Suite 311, Livonia, MI 48152-2686
734-462-9600
IMPORTANT: Instructions for completing this application can be found in the Michigan Workers’ Compensation Placement Facility’s Information and Procedures Handbook. This handbook is available from the Michigan Worker’s Compensation Placement Facility or at www.caom.com.
This application must be typed or legibly printed in ink. Under no circumstance will coverage be bound sooner than 12:01 AM the day following receipt by MWCPF. Missing or incomplete information may delay the binding of coverage.
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I. GENERAL INFORMATION |
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EFFECTIVE 12:01 AM (DATE) |
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(To be completed by the Facility) _________________ |
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1. |
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NAME OF EMPLOYER |
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2. _____-________________________________ |
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__(________)_______________________ |
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FEDERAL EMPLOYERS IDENTIFICATION NUMBER |
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PHONE NUMBER |
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3. |
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MAILING ADDRESS |
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(STREET) |
(CITY) |
(STATE) |
(ZIP) |
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4. |
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PRINCIPAL LOCATION |
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(STREET) |
(CITY) |
(STATE) |
(ZIP) |
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5. |
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OTHER MICHIGAN LOCATIONS |
(STREET) |
(CITY) |
(STATE) |
(ZIP) |
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6. |
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PAYROLL OFFICE ADDRESS |
(STREET) |
(CITY) |
(STATE) |
(ZIP) |
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6a. Total number of employees |
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7. |
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LEGAL STATUS |
__ Sole Proprietor* __ Partnership |
__ Corporation |
__ Non-Profit Corp __ Limited Partnership |
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__ LLC |
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__ LLP |
__ Trust |
__ Other (explain) _____________________ |
*A sole proprietor is not eligible for workers’ compensation benefits
*A sole proprietor with no employees working for a distinct entity is an employee of that entity. Supply a list of entities for which work is performed.
8. Are there operations in states other than Michigan? |
__ No __ Yes; |
If yes complete the following |
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(If uninsured indicate under Insurance Carrier) |
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STATE |
LOCATION |
INSURANCE CARRIER |
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II. INSURANCE RECORD |
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1. Has there been previous workers’ compensation insurance coverage in Michigan? |
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No; If no, complete |
__ New business |
__ Self Insured |
__ Other (explain) ____________________________ |
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Yes; |
If yes, provide insurance record – three previous years |
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If previously self-insured, give name of self-insured employer or group fund if different from the above named insured. |
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STATE |
INSURANCE CARRIER |
POLICY NUMBER |
POLICY PERIOD |
PREMIUM |
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MICHIGAN APPLICATION FOR WORKERS’ COMPENSATION INSURANCE
II. INSURANCE RECORD (CONTINUED)
2. |
Has there been a name change during the past five years? |
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No |
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Yes; If yes, give previous name and date of change and |
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complete an ERM form. _________________________________________________________________________________ |
3. |
Was this an existing business purchased by the insured? |
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No |
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Yes; If yes, give previous name, date of purchase and |
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complete an ERM form. _________________________________________________________________________________ |
4. |
Do owner(s) own a majority interest in any other business? |
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No |
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Yes; If yes, give the complete legal name of the other |
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entity(s) and complete an ERM form. _______________________________________________________________________ |
5.Do you (applicant) have a workers’ compensation insurance policy in force?
__ No __ Yes; If yes, indicate expiration or cancellation date: _________________________________________
6.Are you in debt to any insurance company for any unpaid premium for worker’s compensation?
__ No __ Yes; If yes, explain: ___________________________________________________________________
7. Is the employer in bankruptcy? __ No |
__ Yes; If yes, attach a copy of the bankruptcy order. |
III.BUSINESS PRINCIPALS
1.List below the name and title of all officers, general partners, members of limited liability company or spouse of sole proprietor. Indicate duties and approximate annual salaries for each person. If eligible persons are to be excluded check the space below. The appropriate completed exclusion form must accompany this application. (See information and Procedures handbook for exclusion eligibility.)
2.Indicate percentage of ownership for each person listed. If 100% of ownership is not shown, complete and submit an ERM form with this application.
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PERCENTAGE |
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APPROXIMATE |
NAME |
TITLE |
EXCLUDE |
OWNED |
DUTIES |
ANNUAL SALARY |
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3. If eligible persons are excluded, is the appropriate exclusion form attached? __ No __ Yes
If not excluded, have payrolls for officers, partners, LLC members or spouse been included in determining the estimated annual premium? __ No __ Yes
IV. NATURE OF BUSINESS AND PREMIUM COMPUTATION
1.Explain nature of business. Completely describe all operations at each location. (Do not use manual phraseology for description.) If more than one legal entity is to be insured indicate each named entity’s operation.
2.If you use subcontractors in your business, ask your agent to tell you about the rules for audits for money paid to the subcontractors. The employee/employer relationship will be governed by the elements of rule Nine F part 3 and part 5 in the Facility Basic Manual and the Information and Procedures Handbook.
MICHIGAN APPLICATION FOR WORKERS’ COMPENSATION INSURANCE
IV. NATURE OF BUSINESS AND PREMIUM COMPUTATION (CONTINUED)
3. Are employees leased? __ No __ Yes If yes, provide name and address of leasing company. ________________________
4.Employee leasing firms and temporary contractors must furnish a client list. Include a brief job description for each client.
5.Calculation of Estimated Annual Premium: Assign a classification code to each individual operation. (Attach additional sheet if necessary.) IF PAYROLL LEVELS DIFFER FROM THE MOST RECENT AUDIT OR PREVIOUS POLICY, CONFIRM APPLICATION PAYROLL LEVELS WITH SOCIAL SECURITY FORM 941, TAX FORM SCHEDULE C (BOTH SIDES), CURRENT PAYROLL SCHEDULE, OR M.E.S.C. REPORT.
TOTAL PAYROLL BASIS
Describe by location the duties |
Class |
Number of |
Total |
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of employees |
Code |
Employees |
Payroll |
Rate |
Premium |
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Total Premium |
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Experience Modification |
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Standard Premium |
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Less Premium Discount |
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Expense Constant |
DEPOSIT PREMIUM |
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Rate Plan _____ Surcharge |
1. DEPOSIT REQUIRED: |
Terrorism Premium (total payroll/100 x .01) |
Under $1,000 |
100% |
Total Estimated Annual Premium |
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Percentage of annual estimated premium to |
$1,000 to $2,500 |
50% |
determine Deposit Premium |
Over $2,500 |
25% |
Deposit Premium |
The balance of the Total Estimated Annual Premium is to be paid according to a deferred payment plan established by the servicing carrier.
2.PREMIUM PAYMENT
Enclose CASHIER’S CHECK, CERTIFIED CHECK, MONEY ORDER, AGENCY CHECK OR FINANCE COMPANY CHECK for premium payment. Coverage will not be bound without one of the above.
ENCLOSED IS CHECK NUMBER _______________________ MADE PAYABLE TO THE MICHIGAN WORKERS’ COMPENSATION
PLACEMENT FACILITY (MWCPF) IN THE AMOUNT OF $ __________________.
Is the premium Financed? __ No __ Yes; If yes, attach a signed copy of the agreement.
MICHIGAN APPLICATION FOR WORKERS’ COMPENSATION INSURANCE
VI. EMPLOYER’S AGREEMENT
The employer must:
1.Maintain a complete record of all payroll transactions in such form as the insurance company may reasonably require. Such record will be available to the company at the designated address.
2.Comply substantially with all laws, orders, rules and regulations in force and effect made by the public authorities relating to the welfare, health and safety of employees.
3.Comply with all reasonable recommendations made by the insurance company relating to the welfare, health and safety of employees.
The undersigned employer certifies that:
1.The employer has read and understands the application and has truthfully answered all questions.
2.The undersigned employer hereby applies for assigned risk workers’ compensation insurance in Michigan and expressly represents that such insurance is being sought in good faith and that the employer is making such application with knowledge that the employer is unable to procure workers’ compensation insurance through ordinary methods.
3.The employer understands that by making application to the Michigan Workers’ Compensation Placement Facility, his Business Name, City, Risk I.D. Number, Premium, Expiration Date, Class Code, Experience Modification, and any Assigned Risk Surcharge will be published quarterly in the Michigan Workers’ Compensation Placement Facility Depopulation Report, issued to any interested party, in an effort to depopulate the Assigned Risk Plan.
4.Any person who knowingly provides false or misleading information on this application for workers’ compensation insurance may be subject to criminal prosecution.
___________________________________________________________________________________________________________
Print or type Employer Name and Title |
Date |
* Signature (Corporate Officer, General Partner) |
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(Individual Proprietor, Member or Manager of LLC) |
*If a person other than those listed has signed this application attach a copy of the power of attorney or other legal document assigning authority for signature.
VII. NON-STATUTORY COVERAGE
The Facility provides federal coverage as an adjunct to State Act Coverage. If you have admiralty (Jones Act) exposure and insure such in a Facility policy, the fact that you also have a Protection and Indemnity policy on vessels does not negate the Facility coverage and premium is due.
VIII. AGENCY AND PRODUCER
___________________________________________
AGENCY FEDERAL IDENTIFICATION NUMBER
Agency ___________________________________________________________________________(______)_______________
NamePhone Number
Address ___________________________________________________________________________(______)_______________
StreetCityState Zip Fax Number
Producer _________________________________________________________________________________________________
Name (Print or Type) |
Signature |
Date |
Agency contact person |
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(if other than producer) |
_____________________________________ |
E-Mail __________________________________ |
NOTE:
IF THE APPLICATION IS NOT COMPLETELY FILLED OUT AN EFFECTIVE DATE WILL NOT BE GIVEN
MICHIGAN APPLICATION FOR WORKERS’ COMPENSATION INSURANCE
SUBCONTRACTOR STATEMENT
Criteria used to determine subcontractor status vary from situation to situation. Refer to Rule IX. F. SUBCONTRACTORS in the Basic Manual for Workers’ Compensation and Employers Liability Insurance (1997 Edition). At a minimum (additional information may be required), the following information must be supplied at audit on each subcontractor who is a sole proprietor with no employees (claiming to be an independent contractor) you use during the course of a given policy period:
1.A written statement that the sole proprietor has no one working for him/her.
2.A copy of printed business material (advertisement, certificate of general liability insurance, filed dba or assumed name document, business card, etc.) used by the subcontractor in the operation of his/her business.
3.A list of other entities the sole proprietor has worked for in the past 6 months.
In the case of over-the-road, long-haul truck drivers, subcontractors who are sole proprietors must provide:
1.A written statement that the sole proprietor has no one working for him/her.
2.A written statement that the sole proprietor owns his/her own vehicle (tractor and/or trailer).
In all cases where the subcontractor is a sole proprietor with employees, a partnership, corporation, LLC or other entity, a valid certificate of workers compensation insurance or a properly filed BWC 337 (if the entity is qualified) form must be provided. Failure to provide this information on subcontractors will result in additional premium being charged at audit.
IT MUST BE UNDERSTOOD BY INDIVIDUALS USING THIS DOCUMENT TO DECLARE THEIR INDEPENDENT CONTRACTOR STATUS: THEY ARE NOT ELIGIBLE FOR WORKERS COMPENSATION BENEFITS PROVIDED BY POLICIES WRITTEN TO PROTECT ENTITIES THEY WORK FOR. ALSO, MEETING THE REQUIREMENTS OF THIS DOCUMENT IS NOT AN ATTEMPT TO EVADE THE WORKERS’ COMPENSATION LAWS OF THE STATE OF MICHIGAN, NOR IS IT GIVING UP THE RIGHT TO WORKERS COMPENSATION COVERAGE; IT IS A STATEMENT OF FACT IN SUPPORT OF DECLARING INDEPENDENT CONTRACTOR STATUS IN CONJUNCTION WITH SECTION 418.161(N) OF THE STATE OF MICHIGAN, WORKERS’ DISABILITY COMPENSATION ACT, PUBLIC ACT 317 OF 1969.
Employer Name and Title |
Date |
* Signature (Corporate Officer, General Partner |
Type or Print |
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(Individual Proprietor, Member or Manager of LLC) |
*If a person other than those listed has signed this application, attach a copy of the power of attorney or other legal document assigning authority for signature.
THIS SUBCONTRACTOR STATEMENT IS PART OF THE APPLICATION AND MUST BE SIGNED AND SUBMITTED WITH THE APPLICATION.
06-06
Revised 06-06
F-6 (1-04) page 5 of 5