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Over the last 27 years WCIA has evolved from the state's original, nine-member pool, to the financially strongest liability-property pool with over 125 members and over $118 million in assets (as of 12/31/07). Throughout our evolution we have had one common goal: to aggressively manage our members' financial risk.

We are not just a one-dimensional alternative insurance provider. Rather, a member-driven, self-insured program in complete control of every operational aspect. As protection from hard market cycles, we offer the largest self insurance layer of any pool, funded at a 98% actuarial level, to respond to the "working layer of losses", with limited reliance upon reinsurance for catastrophic losses.

Our strong financial position allows us to offer generous pre-loss training and field-intensive risk management support. We have become each member's extended risk management department. Combined with aggressive claims and litigation support, our members have a complete pre-loss and post-loss management program.

If you're interested in the "insureds running the insurance company" concept, go to the Contact Us button to reach us.

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