AF Group is an organization whose collective strength brings workers’ compensation products and services together in one place to create a center of knowledge, talent and capabilities. Through our four brands, we provide exceptional work comp solutions, including:

Care Analytics®

As a company that specializes in workers’ compensation, we have analyzed years of data to find trends that show areas of challenges and opportunity in claims management. The resulting effort – Care Analytics – helps us identify local physicians who understand work-related injuries and who provide superior care to get injured employees back to work. This patented, award-winning program reduces risk and minimizes costs for the businesses we service.

Keep at Work®/Return to Work

Keep at Work/Return to Work programs can have the single-largest impact on cost savings related to workers’ compensation premiums. Our brands’ aggressive and comprehensive Keep at Work/Return to Work efforts are a proven way of decreasing an injured worker’s recovery time by allowing them to quickly and safely return to work in accordance with their medical treatment plan.

Loss Control

As workers’ compensation specialists, we help policyholders reduce workplace injuries and, in turn, their insurance costs. Our experienced loss control teams have first-hand knowledge in the industries we serve and partner with policyholders to protect employees. We offer a wide array of services, materials and safety tools to help the businesses we insure keep their employees safe and their losses down.

Risk Management Information System

Our Risk Management Information System (RMIS) provides customers and agents quick and easy round-the-clock access to their claims information and other account data. Included for those accounts meeting minimum premium thresholds, the Web-based platform provides personalized dashboards and access to current and historical account information to analyze losses, create comprehensive, schedulable loss reports and identify cost drivers. It also provides direct access to the claim adjuster and their notes so that any questions can be answered quickly and efficiently. Powerful and up-to-date, RMIS helps our customers and agents be proactive in the overall management of their account by using the metrics and data provided to assist in driving the best possible outcomes.

Risk Management Services

Our Risk Management Services program is designed for customers seeking alternatives to guaranteed cost workers’ compensation plans, such as retrospective rating and large deductible plans. This provides our agents and prospective policyholders an opportunity to utilize our company’s extensive experience to more effectively manage their cost of risk. With Risk Management Services, all services are bundled into a comprehensive package that lowers the overall cost of the program. These services include:

  • Proactive claim and medical management services that help in reducing the overall cost of risk.
  • Patented Care Analytics® platform to connect the injured worker with an experienced occupational physician.
  • Claims adjusters who have extensive jurisdictional knowledge and experience.
  • Loss control experts who develop individual loss control strategies for each location.
  • Client relation consultants who act as a single point of contact to coordinate comprehensive service for the account.
  • A customizable risk management information system that allows our customers to stay on top of their losses.


When you’re looking for quality, up-to-date information on how to keep your workers safe, who better to provide it than an organization with more than 100 years of experience in writing workers’ compensation. Our organization is committed to assisting our customers in building and maintaining safe work environments for their employees. Each brand offers a customized, comprehensive online toolbox with a wealth of resources, including marketing materials, safety tools and helpful claims and fraud information. Additional proprietary information, available exclusively to customers via secure login, includes safety training modules and videos as well as convenient claims reporting tools.

popup close button