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Underwriting

IMWCA is committed to providing a competitive workers’ compensation program for cities, counties and other governmental entities through administrative, safety and risk and technical services. As a self-insured risk pool, we were created for our members and controlled by our members. Our underwriting analyst is here to help with your workers’ compensation.

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Workers’ Compensation
Our workers’ compensation products cover the cost of medical care, lost wages and death benefits under the provisions of the Workers’ Compensation Act.
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Chapter 411 Medical-Only
This product is tailored to provide the unique coverage that Iowa’s municipal governments need for those employees participating in the Municipal Fire and Police Retirement System of Iowa, the disability retirement system created by Chapter 411 of the Iowa Code. This excludes from the provisions of the Workers’ Compensation Act.
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Non-Statutory Volunteer Medical-Only
Municipal governments rely on volunteers to supplement their workforce. However, the Iowa Workers’ Compensation Act does not cover any non-statutory volunteer of an IMWCA member; instead, they are eligible for our non-statutory volunteer medical-only coverage.
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Application Process
IMWCA will need 30 days from the time an application is submitted to quote issuance. Visit our application process page to make sure you have all the documentation needed to apply.
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Renewal Process
All IMWCA members have a common renewal date of July 1. As a result, members have the opportunity to review and make adjustments to their estimated payrolls to more accurately reflect anticipated changes in operations and staffing.
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Audit Process
Each member will be required to provide the auditors with the necessary information to complete the premium audit. Retaining and providing these records is a requirement of coverage with IMWCA. Learn more about our auditor Information Providers Inc. and the steps needs to have a successful audit.
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Coverages

IMWCA has over 40 years of experience providing cities, counties, and 28E entities the right coverage to protect their most important asset: the employee.

Agents

If you are an IMWCA agent, experience our new website through an agent’s journey, same content but tailored for your needs.

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Underwriting Staff

At IMWCA, I focus on all things policy: renewals, audits, payroll, certificates of insurance, applications, coverages, volunteers and even Member Portal usernames and passwords.

Andrew Justice, CPCU, MBA, AIC, ARM-P, AU, CLCS
Underwriting Manager
(515) 974-5341 FAX: (978) 367-2862