IWIF (Injured Workers Insurance Fund)
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
IWIF (Injured Workers Insurance Fund) now operates as the IWIF division of Chesapeake Employers’ Insurance Company and serves as the third‑party administrator (TPA) for the State of Maryland’s self‑insured workers’ compensation program, rather than acting as a competitive/state‑fund carrier to the open market. Preferred / target business: - IWIF’s role is limited to handling workers’ compensation for Maryland State Executive Branch agencies, departments, and bureaus under the State’s self‑insured WC program. - There is no open‑market underwriting appetite for private employers; IWIF’s “book” is effectively the portfolio of eligible State of Maryland entities defined by the State’s program structure. Restricted or declined classes: - Private‑sector and non‑State public employers are not written by IWIF under this program. IWIF provides WC program administration only for the State’s self‑insured WC; it is not a placement option for commercial or non‑state governmental accounts. - Any risk outside the State of Maryland’s self‑insured WC program falls outside IWIF’s authority; such risks must obtain coverage from another workers’ compensation carrier or fund. Geographic notes: - Operations are limited to the State of Maryland’s self‑insured workers’ compensation program, covering State of Maryland agencies and employees only. - IWIF’s address and primary operations are in Towson, Maryland. Submission / program administration expectations: - State agencies do not “submit” accounts for underwriting in a commercial sense; IWIF administers the existing State program. - Agencies report injuries and claims directly to IWIF using the State’s reporting processes and hotlines (injury reporting hotline and IWIF main number) as described by the State Treasurer’s Office program materials. - Program oversight resides with the Maryland State Treasurer’s Office, which manages the contract with IWIF, monitors claims activity, and ensures adherence to agreed performance and reporting requirements. IWIF provides claims administration, risk management, nurse case management, legal support, and associated WC services for these State agencies. Broker / producer notes: - There is no indication of an open broker/producer distribution model for IWIF’s State of Maryland TPA role; placement of coverage is not broker‑driven. - Retail or wholesale agents cannot generally submit new business or negotiate terms with IWIF for private employers; IWIF’s function is purely administrative for the State’s self‑insured WC program. Operational takeaway for brokers and risk managers: - Treat IWIF as a TPA for Maryland State government workers’ compensation, not as an available underwriting market for commercial WC placements. - For Maryland state agency WC issues (claims, reporting, loss control), contact is typically routed through the State’s Workers’ Compensation Program Administrator or directly to IWIF via the published hotlines and online State‑agency portal, rather than through insurance brokers. - For commercial or non‑State governmental WC risks in Maryland, look instead to Chesapeake Employers (commercial market) or other carriers; IWIF is not a binding market for these accounts.