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Products, Programs and Savings

Special Products and Programs

As part of our role of providing workers' compensation and employer's liability to Maryland businesses of all sizes, Chesapeake Employers offers several "special products." These include additional coverage for certain work performed out-of-state as well as several special rating plans designed to control costs and ensure and reward safe workplaces.

Other States Coverage graphic   Coverage in Other   States

  Coverage for Maryland
  employees working in other
  states on an incidental basis
  is provided under your basic
  Chesapeake Employers
  policy. Employees assigned
  for extended periods of time
  or permanently located in
  another state require a
  separate policy. For your
  coverage needs in these situations, Chesapeake Employers has teamed with Zurich North America to provide an insurance solution in all U.S. states except North Dakota, Ohio, Washington, Wyoming, U.S. Virgin Islands and Puerto Rico.

If you need Other States Coverage, please contact a Chesapeake Employers' underwriter or your insurance agent.

Experience Rating Plan

Experience rating is a way to calculate premium based on a company's individual loss experience. If your losses are lower than expected for your industry group, you will receive a premium credit. If your losses are higher, your premium will be increased. Attention to effective safety practices should result in fewer losses and lower premiums for all businesses.

Chesapeake Employers' Rating Plans

Chesapeake Employers offers several plans through which we can discount your rates, if you so qualify. Please contact your agent for more information on this topic.


Safe Returns Dividend Plan

You could qualify to receive up to 25 percent of your premium in the form of a dividend. Chesapeake Employers’ new Safe Returns Dividend Plan rewards policyholders who prevent workplace accidents, keep workers safe, and losses low. Dividends can help you offset workers’ compensation costs, invest further in workplace safety, or improve your organization’s bottom line.

How to Qualify for the Safe Returns Dividend Plan

The Safe Returns Dividend Plan is available to new and renewal business effective on or after July 1, 2017, that meet the following eligibility requirements*:

        - Minimum annual standard premium of $30,000
                o Standard premium is the premium amount after the experience
                modification has been applied, but before premium discount, expense
                constant and any applicable terrorism or catastrophe charges.
        - Five-year incurred loss ratio not to exceed 40 percent
        - E-modification equal to or less than 1.00
        - No known catastrophic loss potential

*Other eligibility requirements apply. Please contact your agent or Chesapeake Employers for the complete list of requirements. Dividends are not guaranteed. They are declared at the sole discretion of the Chesapeake Employers Board of Directors.


For more information on our special products, please call (410) 494-2000
(1-800-264-4943 outside Baltimore) or Contact Us - Underwriting.

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Chesapeake Employers' Insurance Company •  Formerly the Injured Workers' Insurance Fund • 8722 Loch Raven Blvd. • Towson, MD 21286   410-494-2000  1-800-264-4943   Privacy Policy and Data Security