Frequently Asked Questions

What is the relationship between CompTrust AGC and Mississippi AGC?

CompTrust AGC is Mississippi AGC's workers' compensation fund, available only to members.

When I join the Fund, do I become a member of AGC?

Yes. Mississippi statute requires all members of self-insured funds to be dues paying members of the sponsoring association in addition to paying your workers’ compensation premium.

Why CompTrust AGC?

If you are a company working in the non-residential construction industry, there is no other source of workers’ compensation coverage that has more knowledge or experience of the industry in the state. When you invest in CompTrust AGC, you invest in the very industry in which you work. This program was created and is managed by Mississippi contractors.

What are the benefits to joining AGC?

AGC is the oldest and largest trade association representing all contractors serving the non-residential construction industry through membership discounts, networking opportunities, professional development, safety training, and legislative representation at state, local, and national levels. Learn more about Mississippi AGC here >

Is there a minimum premium?

There is a $5,000 minimum premium for each policy period.

How do I pay my premium?

25% of the premium is collected for the down payment, then the remaining premium is due in equal payments each quarter for the remainder of the policy year.

Can you write coverage with different effective dates from the Plan date?

We can schedule your coverage using the current effective date on your expiring policy, allowing you to keep all your policies with concurrent effective dates and, in turn, making them easier for you to manage.

Who handles my claims?

CompTrust AGC partners with Cannon Cochran Management Services, Inc. (CCMSI) to provide claims administration. Together we can control claims costs while providing best-in-class service with a focus on each claims' impact on the contractor's Experience Modification Rating (EMR). Your claims are managed by a dedicated adjuster that has been with CompTrust AGC for 25 years.

Does CompTrust AGC provide out of state coverage?

Yes!  This coverage is subject to a separate underwriting process.

What are the services CompTrust AGC provides?

CompTrust AGC employs a full-time loss control consultant who serves as a resource to each fund member through periodic office and job site visits. In addition to our loss control services, CompTrust offers its fund members both in-house and on-site FREE training in many required certifications, including CPR, first-aid training, OSHA 12 and OSHA 30 classes.

How does the audit process work?

CompTrust AGC partners with Wilkinson Insurance Services to perform annual audits. Payroll audits are performed in the first quarter of the new policy period for the prior year, and are designed to obtain all information in an efficient manner.

Can I report or adjust payroll during a coverage period?

Premium is billed on estimated annual payrolls. However, payrolls can be adjusted at each quarterly billing. 

What is 'joint and several liability'?

As with all self-insured products and most captive programs, each fund or captive member is jointly and severally liable for one another and the fund. With our sound investment practices, disciplined underwriting, and superior claims management, CompTrust AGC is positioned to handle economic and performance downturns like few others.

How do I obtain a quote?

We write workers’ compensation policies through independent insurance agents. Ask your agent to obtain a quote from CompTrust AGC and they will forward your submission to us. If you do not have an agent, please contact us and we will assist you. We require the submission to include your estimated annual payroll per class code along with four years of loss runs and a copy of your Experience Mod worksheet (if applicable).