Third Coast Underwriters (3CU)

Specialty workers compensation MGA serving complex and high-hazard risks nationwide

Specialty Solutions Established

Overview

Third Coast Underwriters (3CU) is a workers compensation MGA and specialty division of AF Group that serves mid-to-large employers with complex operations and high-hazard risk profiles. Founded in 2010 and headquartered in Chicago, the company distributes coverage exclusively through independent agents and brokers, deploying local teams in core markets to provide hands-on underwriting service across all 50 states.

3CU underwrites workers compensation for employers in sectors including construction, specialty transportation, agribusiness, oil and gas, longshore and harbor operations, and companies in merger or acquisition transitions. Policies are issued through AF Group subsidiaries -- Accident Fund Insurance Company of America, Accident Fund National Insurance Company, Accident Fund General Insurance Company, United Wisconsin Insurance Company, Third Coast Insurance Company, and CompWest Insurance Company -- which carry an AM Best rating of A (Excellent).

The division reached a milestone of USD 100 million in written premium in 2019. A minimum premium threshold of USD 150,000 reflects a focus on mid-to-large accounts with complex exposures. 3CU has received Business Insurance Best Places to Work recognition for 10 consecutive years.

Products & Services

Workers Compensation Insurance

Core workers compensation coverage for wage replacement and medical benefits for injured workers, designed for employers with complex exposures.

Key Features

Wage replacement and medical benefits for injured workers
Multi-state program capability for large national accounts
Specialty coverage for longshore and harbor workers (USL&H)
Merger and acquisition transitional risk programs

Target Users: Mid-to-large employers in construction, specialty transportation, agribusiness, oil and gas, longshore and harbor (USL&H), emerging markets, and companies undergoing mergers and acquisitions.

Distribution: Independent agents and brokers

Claims Management

Dedicated claims handling with a focus on reducing total claim costs below the industry standard.

Key Features

Dedicated adjuster assigned to each customer account
Claims costs averaging 16% below industry standard (2020-2024)
Nurse case managers and full-time medical director on staff
Medical bill review for accuracy and cost control
Hi Marley text-based communication platform supporting 20+ languages

TeleCompCare

Proprietary telehealth service connecting injured workers with medical professionals remotely.

Target Users: Injured workers covered under 3CU policies seeking early medical intervention and faster return-to-work outcomes.

Loss Control

Pre-loss consulting services to identify workplace safety risks and develop customized safety programs.

Target Users: Policyholders seeking to reduce injury frequency and lower experience modification factors.

myMatrixx Pharmacy Program

Pharmacy benefit management through a partnership with Evernorth, providing injured workers access to medications through an extensive pharmacy network.

Key Features

Access to 68,000+ pharmacies nationwide
Home delivery and specialty pharmacy services
Formulary management to support appropriate medication use

Care Analytics

Proprietary database of vetted medical providers built from analysis of millions of workers compensation medical transactions.

Target Users: Injured workers and claims adjusters seeking quality, cost-effective medical care.

National Account Services

Dedicated service model for large, multi-state employers with complex workers compensation programs requiring coordinated account management.

Segment Leaders Knowledge Center

Resource platform providing enhanced service and industry-specific guidance to customers in unique market segments including construction, specialty transportation, energy, emerging markets, longshore, and mergers and acquisitions (launched 2025-2026).